If it’s contributing creatively to your work, yeah, totally.

AI is not contributing creatively though, programs do not create.

If you ask Photoshop fill to add an italian plumber and you’ve been living under a rock for you life so you don’t realize it’s Mario, when you get sued by Nintendo for copyright infringement it’d be much better policy if it was Adobe on the hook for adding copyrighted material and not the end user.

I am speaking of Photoshop used as a non-AI tool as it has been used to commit copyright infringement for decades before Photoshop fill was a thing. Should it check if your image infringes on copyright?

A better analogy is: if you hired a graphic designer and they gave you copyrighted material, who is liable?

The graphic designer. If you went ahead and redistributed it you would also be liable. Whatever program he used or it's developer wouldn't be liable.