Replicate does make this particularly easy while still being somewhat developer focused. I've used it for a few people in our group chat so we can make silly in-joke memes and stuff and the results are quite stunning. Replicate then offers the model up over a simple API (shown in the post) if you wanted to let people generate right from the chat, etc. Replicate is worth poking around a bit more broadly, too, they have some interesting models on there (though the pricing tends not to be very competitive if you were going to do it at scale.)