I couldn't possibly create the images that I get out of Stable Diffusion, so I consider it the real artist. But it can't possibly come up with the ideas of what to draw, so I am the muse.
What's more, I feel that the ideas that I come up with are uniquely my own. By which I mean, it is unlikely for another human to have the same idea.
For me, the point at which it becomes art is when it expresses something. It has to evokes thought in the viewer.