Generative AI Fill sucks

I'm a fashion/product photographer. A client sent me an outerwear coat to shoot on a mannequin and no shirt for underneath. I thought, "No problem. I can probably generate the neck part of the top with Generative AI." That's a big NO. Every time I try to generate the fill, I receive an error message that wants to send me to the Adobe Use/Guidelines page. My original input was "Women's black ribbed turtleneck shirt". After a few different variations, I wondered if the AI thought I was being "racist" for using the word "black".  No matter what I wrote, an error was always returned sending me to the Guideline page. (None of the guidelines seemed valid for what I asked.)

Pity there isn't a way to create what I want with a plug-in for some other AI.