I'm a long time user of Canva and I really like this program. Today, I wanted to figure out whether I could use AI models to actually substitute Canva. I used 3 different image generation models to create the thumbnail for this very video.
I provided a reference image and gave clear instructions and wanted to see how the following best in class models did the job:
In the video, I show you the prompts that I used and which model did the best job. Here the thumbnail that I finally used for this video:

OpenArt - https://openart.ai/home?via=achim03 (referral link)
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Strange, it works for me. Maybe some youtube outage where you live...
That is interesting. I guess AI still isn't there yet, but I am guessing it will get there over time.