There are a couple of rules that are hard to wrap my had around and this is one of them, but as Madeline says, I'm fairly certain it's about the act of mindlessly eating a bag of "chips" whether they're a bag of Lays, or an alternative such as Bare Apple Chips. This is kind of a SWYPO thing - you're replacing one snack food with another so at the end of the 30 days when you can eat any ingredient again, you still have the habit of eating a bag of "chips" in front of the TV. If you make your own food, you're more aware of what you're putting into your body, even on a subconscious level. Apple chips are fairly easy to make for yourself (recipe: https://www.wellplated.com/apple-chips/), and here's a recipe for banana chips: https://www.momables.com/homemade-banana-chips-recipe-baked/
"No commercially prepared chips" is a very clear rule, which makes it fairly easy to comply. When you ask about them in the "Can I Have ____?" section of the forum, mods will answer with the exact rule because again, it's very very clear cut. That said, no one is going to come to your home/office and rip the apple chips or banana chips from your hands. Whole30 is a voluntary program - if you follow the rules and guidelines exactly, you'll benefit from it more. If you don't, you'll probably still benefit but to a slightly lesser degree.