Here's something I tell people who say this to me, and it usually surprises them: you don't need to understand AI to start using it well. Those are two separate things, and most of the confusion out there comes from mixing them up.
Understanding AI, in the deep sense — how it's built, what's happening technically when you send a message — is a whole separate subject, closer to computer science than to anything you need for your actual life. Using it well is closer to writing a good text message: say what you want clearly, and adjust if the reply isn't quite right.
So if you don't understand AI and that's been stopping you, try skipping the understanding part entirely for now. Open the tool. Type one real request — something small, like asking it to explain a word or draft a short note. Read the answer. No comprehension quiz required, no understanding checkpoint you have to clear first.
Most people find that after a handful of these small real interactions, an intuitive sense of "how it works" builds on its own, from the outside in, without ever needing the technical version.
On Ramp AI is built entirely around that outside-in approach — use first, understand as you go. Here's where to start.