I agree with you. But this does not answer if its only discouraged or straight up forbidden to use Chat GPT in such a manner. Would it be allowed?
A friend of mine considers using the jam to learn and would like to adhere to the terms, but finds ChatGPT a better way to learn due to its interactivity in comparison to e.g. Youtube.
In my mind, having things explained to you would be conform with the terms. But as soon as one copies something that one doesn't fully understand (i.e. couldn't explain it in detail to others) I would consider it a breach of terms.