IANAL but for copyright infringement you have to distribute it, and AI image generation is like asking someone to paint a cartoon mouse in a wall of your living room
AI generation is also like asking a professional to design a logo for your corporation. It all matters what the license you are getting to the outputs. If the Image Generator is saying that outputs from their service can be used for commercial purposes, it isnt like your example at all.
Just because the jpeg you're distributing isn't the same bytes as the one I have copyright to doesn't mean you're not infringing my copyright. You're still taking my copyrighted image, running it through an algorithm, and then distributing the results.
