It depends. Self publishers on places like Amazon Kindle are probably making that choice themselves. They choose their own covers.
I understand a Self publisher has less financial resources but… there’s no good answer.
For large publishing firms, they have a choice. They pick books they think will do well and support it with cover art, marketing, etc.
When you have things like Fallout’s TV series using AI art to market itself? That’s a multi-billion dollar company. They can afford not to. I don’t fault the writer for a book that a publisher forces AI onto, but as long as they stay with a publisher who openly forces them to use AI, I will hold my stance.
Pirates kind of had a workers compensation program as I’ve been told.
Loss of certain body parts was payable with the amount varying by which part was affected.