One of the best anti-scam advice I was ever given was to always call the number I knew was valid like the one on my insurance card in this instance and verify that way.
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How does it increase earning potential? Best case it would flood the market with shit and result in less income due to either dilution of spending amongst thousands of idiots using “ai” or destroy the need for a market in the first place. If everything is ai why would I pay the “artist” instead of just going to stablediffusion or something similar?