There are two practical ways to make hydrogen:

1. Split water molecules via electrolysis. This is thermally inefficient and not cost-effective at scale.

2. Strip hydrogen atoms off of hydrocarbon molecules, usually natural gas. It's much cheaper. Unfortunately, the leftover carbon atoms leave the process as CO2. AFAIK all commercially available hydrogen is made this way.

There is a multitude of ways to make hydrogen and only 1% of production is low emission.

https://en.m.wikipedia.org/wiki/Hydrogen_production

It takes a ton of energy to split water into it's components, that typically comes from fossil energy

Most of it, currently, yes.

But there is no requirement to do it that way.

(Also, the people who run fuel cells typically don't buy fossil hydrogen.)