An AI thumbnail is a draft of a layout. If the face, the text, or the product is invented, you have a different problem than "which font."
Evergreen
Use a photo you actually shot. Ask a tool for crop ideas, contrast, or a text treatment. Do not generate a new face, a fake result, or a product you do not own. The click has to match the video.
Shrink it. If the words disappear, they were too small. Make two versions and test them instead of falling in love with the first export.
If a viewer would think the place or the person is real and it is not, yes. Read the disclosure lesson. A color grade is not the same thing as a fake scene.
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