Displaying text in the style of a graphic novel [SOLVED]

Can you please tell me if there is a simple way to implement the display of characters' replicas (display text command) in the position I need (and not over my head) and so that the replicas are accompanied by a certain picture in the background (background / interface), by analogy with how this is implemented in graphic short stories.

Now I have the following idea about this:

instead of "display text" use "narration text" during characters' lines in the required coordinates. Use an additional interface with the desired picture as a background. But turning it on and off before each "show / hide interface" replica is pretty expensive.

Thanks in advance for any help.

Here in this thread should be everything you need: