My current approach is a "model marketplace" (https://accomplice.ai/models) where the most popular open source text-to-image models (VQGAN+CLIP, Disco Diffusion, DALL-E Mega coming soon…), sit alongside the most popular open source style transfer models, and then finally I have the ability for a user to finetune their own models using a simple drag-and-drop tool (https://accomplice.ai/no-code-model-training).
Using this approach a user has enough models to try or train that they can have a higher hit rate. For example, Accomplice currently has finetuned models for photo realistic people (https://accomplice.ai/models/f58bfa91-bb18-406f-a0e1-db00fcf...), watercolor backgrounds (https://accomplice.ai/models/91b8a080-faca-4ff4-8b11-64b0789...), etc…
So theoretically if there were a searchable marketplace of 100s of different finetuned models people could choose from, they would use it much like an iStockPhoto and be able to create the kind of images they want instead of just downloading them.
But it's of course a constant work in progress. Slowly growing though and lots of promising stuff ahead!