nah man theres like,, lots of alternatives if you wanna have art of your ocs (like picrew, dress up games, etc) and even then, there are tons of artists who will take different types of currency if you don't have money irl.
in game currency can work just as well! (see Royale High where you can just farm diamonds and artists can accept that as payment for comms in their subreddit) theres a lot! and yes it might be time consuming but its better than feeding AI art of the artists or using AI to create art.
(also also!! theres the off chance where artists will draw your characters if they accept requests! kinda hard to find but they do sometimes accept! :D)