If you can't draw....
I was in the same situation: I cannot draw! Now I am retired, I am actually taking drawing classes, but I did my
www.hetty.mosaicglove.com tarots before that.
In the end, I worked with what I had: I can work in textile, I can use CorelPhotoPaint (like photoshop), I can take photos, I can use Dover images.
So I went with that.
Once I had a deadline of an exhibition and I just HAD to get on with it, I found that once I started, it became something I could do. It wasn't always easy, but I accepted my limitations and worked within that.
So look at what you CAN do and look at things you CAN teach yourself.
Everyone with a computer can learn to use an image manipulation program. Some are very expensive, some are cheaper if you get the academic version: get someone who is a teacher or student to buy it for you. There are also free programs, someone here will know which ones they are.
You can take photos. Not only of people, but also of things.
If you go to my blog :
www.hettyvb.blogspot.com and scroll down, you will see how I created the background for The Devil by taking a photo of some chains in my husband's shed, and then manipulating that photo.
I printed it out on fabric, if you aren't into that, you can do it on paper.
Maybe learn how to use layers in your image manipulation program.
You can use Dover images and then change them to suit.
By working within what you CAN do, and worry less about what you CANNOT do, you will create your own style.
Good luck!