While I mostly agree with you (and 100% on it distracting from the article), I think you’re not thinking about image rights.

If you’re a serious blogger with a good sized blog, a lawsuit or DMCA or otherwise is potentially a killer outcome of using an image you don’t 100% sure have the rights to. With AI, you can be 100% sure you can use the image however you want, without any repercussions. I’d imagine that’s huge in the considerations for a blogger.

Is this someone’s Minecraft furnace stack?

Hey it’s a group chat with my grandma ಠ_ಠ

Nice! Just shared this (as a PDF without the domain name lol) with my family!

Per the article, it seems Visa has already stopped this practice. I think they’re calling out Mastercard as the other top player in the consumer credit card space (I doubt Amex has quite the market dominance Visa / MC do, especially overseas).