2 points
Art oligarchs will own every single thing you make with AI.
No, where are you getting that from? I’m not even sure how to refute that, it’s nonsensical.
There might be some AI services out there that try to use some sort of ToS to “claim” anything you generate using them, but any such service would be radioactive to a serious artist. Just use a different one, or run the AI locally yourself.