People don't lack talent, they lack drive and discipline. No one is just born being able to create perfect art. Some are more apt certainly, but the only thing keeping anyone from being an artist (or writer or any other creative endeavors) is time, practice, and patience.
AI is a tool, not a replacement. And this is ignoring that gen AI is made from thousands of stolen works. RPG Maker is a tool as well, yes, but it's not made on the backs of thousands of programmers whose works were stolen. There's no such thing as programming talent. You either choose to learn it or don't. Time and dedication. It always comes back down to time and dedication. Gen AI is a cancer on the creative world and as an artist yourself I really find your acceptance of it to be disappointing. You're honestly ok with your works being stolen so someone else can make "art" because they were too lazy to try or too cheap to pay?