Okay, I get your point now. If all artists had your stance and felt this hobbled them, then I'd understand thinking Hasbro's decision is wrong. But not every artist agrees with you. This is reminiscent of the argument between digital and physical art, with digital artist's struggle to be seen as viable against oil painters and other physical media artists. Except digital isn't any better or worse, they're simply different mediums. You could argue pros and cons for both types, but in the end everyone is entitled to the medium they prefer. This includes AI assisted artwork. If someone prefers digital art but wants no AI influence, that's up to them since art is entirely subjective.
This is a perfectly valid direction for Hasbro to want to take, and they're the ones who get to make the call. Not every artist feels hobbled by being barred from AI tools, some artists prefer to avoid AI entirely. There are plenty of people who would happily accept these jobs.
Imagine getting caught and having your claim denied or being sued for insurance fraud. I'm happy to use ublock origin, but what you're describing is playing with fire. We need to make sure it never gets to this point in the first place by making it illegal for insurance companies to do this.