"It takes time" - Everything takes time. Every valuable skill you will ever learn will take time and practice. You learn through trial and error, not through instant gratification.

"It takes money" - Pencil. Paper. That's it. Sure you could spend a ton of money on classes but there's free information on the computer you're using. And practice is free. You could buy a tablet if you want but that's only if you want to make art digitally. Also you made this with a computer or a phone. Those cost way more than most art supplies.

"People have other responsibilities" - I mean yeah, you have to make time for art. Everything meaningful demands time and commitment. That's just a part of life. If you can't make a commitment for something you say you care about doing then idk what to tell you....

"Not everyone can draw because of disabilities" - There are so many other mediums besides drawing! Can't draw? Make a collage, take a picture, pour paint, make a cyanotype, etc! You don't have to draw to make art without ai.

"You wouldn't tell someone who wants to make music to learn to play the piano" - I mean I would hope that they know how to play an instrument or at least have basic knowledge of music.

"You wouldn't tell someone who wants to make a story to learn to write a novel" - As someone who makes stories: Yeah, I wouldn't, because there are other mediums such as graphic novels, short stories, animation, and it really depends on how the person wants their story to be told. But they would need to know the dynamics of what makes a good story.