الحلي أُعِدَّ للابتذال فلا تجب فيه الزكاة كثياب البذلة
Jewelry is prepared for personal use, so the argument claims it should not be subject to zakat, just as ordinary clothes for use are not.
The analogy treats personal use as the common cause. The counterargument highlights the different financial category of precious metal jewelry and ordinary clothing. The zakat status of gold and silver is not determined by personal use alone.
The actual question is whether being used personally is the operative legal cause that determines zakat liability. Superficial similarity of use cannot settle it.