There’s a weird line here because I’m pretty sure the restriction is “commercial use” rather than outright selling. So even if they’re including these AI products as “value-add” bundles or including them in i.e. Bing, they’d be tied the (ad, etc) revenue of the underlying product. There’s also a difference between commercial entities and “personal use”.

You might not be selling me a picture of Homer Simpson, but if you’re providing it via a tool on a page with ads etc there’s still a tie-in to a revenue stream and commercial activity