> can't afford to pay one for whatever business I have

At small scales what "art" does your business need? If you can't afford to hire an artist (which is completely fine, I couldn't for my business!) do you really need the art or are you trying to make your "brand" look more polished than it actually is? Leverage your small scale while you can because there isn't as much of an expectation for polish.

And no, a band poster doesn't have to be a labor of love. But it also doesn't have to be some big showy art either. If I saw a small band with a clearly AI generated poster it would make me question the sources for their music as well.