I don't think it's coming to an end. It's getting more difficult, yes, but not impossible. Currently I'm working on a game, and since I'm not an artist, I pay artists to create the art. The person I'm working closest with I have basically no idea who they are, except their name, email and the country they live in. Otherwise it's basically "they send me a draft > I review/provide feedback > Iterate until done > I send them money", and both of us know basically nothing of the other.
I agree that trust in the individual is becoming more important, but it's always been one of the most important thing for collaborations or anything that involves other human beings. We've tried to move that trust to other system, but seems instead we're only able to move the trust to the people building and maintaining those systems, instead of getting rid of it completely.
Maybe, "trust" is just here to stay, and we all be better off as soon as we start to realize this, and reconnect with the people around us and connect with the people on the other side of the world.
These are very important questions that cut to the heart of "what is art".
Unless AI companies already developed and launched plugins/extensions for people to do something that looks like hand drawn sketches inside of Clip Studio, and suddenly got a lot better at understanding prompts (including having inspiration of their own), then I'm pretty sure it's a human.
I don't think I'd get to see in-progress sketches and it wouldn't be as good at understanding what I wanted to have had changes then. I've used various generative AI image generators (latest one Qwen Image 2511 and a whole bunch of others) and none of them, including with "prompt enhancements" can take very vague descriptions of "I want it to feel like X" or "I'm not sure about Y but something like Z" and turn it into something that looks acceptable. At least not yet.
And because I've spent a lot of time with various generative image making processes and models, I'm fairly confident I'd recognize if that was what was happening.