old photo techniques could be the reason it looks like that
for example
https://petapixel.com/2018/07/09/wet-plate-photography-makes-tattoos-disappear/
Tubman led an extremely tough life.
She looks like she’s suffered decades of severe stress and strain. That is not a relaxed, happy face.
That debit card portrait is horrible. The highlight values are wrong. At first I thought mountains were in the background then I realized it was clouds. So many things wrong.
They should have just used the photo. It’s nice.