I don't think user submitted question/answer is as useful for training as you (and many others) think. It's not useless, but it's certainly not some goldmine either considering how noisy it is (from the users) and how synthetic it is (the responses). Further, while I wouldn't put it past them to use user data in that way, there's certainly a PR/controversy cost to doing so, even if it's outlined in their ToS.
In enterprise, there will be long content or document be poured into ChatGPT if there isn't policy limitation from company, which can be a meaning training data.
At least, there's possibility these content can be seen by staff in OpenAI as bad case, there's still existing privacy concerns.
No, because a lot of people asking you questions doesn't mean you have the answers to them. It's an opportunity to find the answers by hiring "AI trainers" and putting their responses in the training data.
Yeah it's a fairly standard clause in the business paid versions of SaaS products that your data isn't used to train the model. The whole thing you're selling is per-company isolation so you don't want to go back on that.
Whether your data is used for training or not is an approximation of whether you're using a tool for commercial applications, so a pretty good way to price discriminate.