If you download a checkpoint from non trustworthy sources definitely and that is the majority of people, but also the majority that does not use the technical tools that deep nor cares about actual art (mostly porn if the largest distributor of models civitai is a reference).

The technical tool that allow actual creativity is called comfyui, and this is open source. I have yet to see anything that is even comparable. Other creative tools (like the krita plugin) use it as a backend.

I am willing to believe that someone with a soul for art and complex flows would also make their own models, which naturally allows much more creativity and is not that hard to do.