I wouldn't say it's exclusively an effort issue, there's pretty legitimate reasons why people don't draw: fear of judgement, lack of belief in self, anxiety…
In my case the last time I had fun drawing was in school, until my art teacher repeatedly told me I drew like shit and I just gave up drawing. Thought I'd never be able to draw. Took me 20 years until I tried again. People's words can have unexpected effects, that's why I try to be extra encouraging to new artists.
I can relate to the frustration of really wanting to draw but thinking you can't do it. I understand why they use the AI drawing generators instead of doing it themselves. I just wish they could believe in themselves the way I did. It's not easy, but it's absolutely worth it.