As far as I am concerned, what's broken is the logic that you have to reproduce the complete production value package of a big company as an indie creator. Do what you're great at, wing the rest or just leave it out if it isn't strictly necessary. Upping the standard to "it must have art that looks like it's from pathfinder, at least at first glance" is what hurts everyone. If you're saying often enugh "... otherwise, no one will buy or even notice it", people will start to believe. I'm convinced it's not that way. People do notice good writing - so put your good writing in the advertising. If you're good at drawing line art, put that on the cover.
Of course, by all means, expand your capabilites and find people to work with. But don't act is if publishing and selling would be impossible without that gaudy AI cover showing dwarf hulk with a big axe. It won't help you to get noticed, anyway; it will just make your product look and feel like something from temu.