Is There a Line Between AI and 3D?

Some of the stock sites have banned AI content but equally said they will support artists who use generative art as part of their process. I was talking to my brother yesterday who is a fashion designer and he said that a lot of people are using mid-journey to come up with concepts that they then tweak to turn into 3D designs for new fashion. There's not quite there yet on all of the details so if I want to make a complex scene where the character is standing with a dragon behind them and a castle on a mountain somewhere I can't dictate where all of the pieces are going to show up. It gets tricky with like hands and fingers and faces because it can't do