Especially if you just need placeholder art you can use AI to drop in general ideas and later replace the art by a partner or contractor.

If you get a demo off the ground with "alpha" graphics and look decent you can market it better and maybe build a team.

I think a big benefit for this is also motivation. You no longer have a blocker due to missing art or issues with an artist.

Uhh.. need a character design for the mayor. <> ok now text... <> ok now code...

No more excuses!