the difference in the vast majority of cases is that people go to a tutor with an intentional stance of cultivating a particular kind of practice, not merely to get an answer to a question. It's not technically impossible to do this with a chatbot but far less likely given that, unlike an even half decent tutor, a chatbot will never cultivate that attitude in you. The elimination of that friction is exactly why people talk to bots.
The good thing about a tutor is that he or she isn't always available and knows they won't be in the future, so they instill good habits and independence in you.
> a chatbot will never cultivate that attitude in you
Hence the whole "AI is basically an amplifier of bad and good" argument made earlier. The ones who do this because they want to understand, don't need to cultivate this at all, it naturally happens with chatbots. They don't just ask for the answer to a question, but then dig into why it's like that and what not. But the ones that don't care, now have to do even less to get the fast answer without understanding.