The "harmful" part, the way I interpret it, is that it goes around OpenAI's filters. Nobody cares that you can now obtain overly vague instructions for how to make counterfeit money. What makes this "harmful" in a way is that OpenAI can't control their product, despite investing considerable effort to do so.
Lack of control isn't the same as harm. To my reading, the entire industry (starting with Google) has assigned the word "harm" in a bunch of places it does not apply. I won't get pedantic and start citing definitions, but it's not the correct use of the word, and it dilutes situations when real harm is happening (like physical or psychological damage, or even immoral or unjust outcomes).
