HI AJT.
Someone learning how to do crosswords could learn a lot on how the twisted mind of the compiler works either from being given a clue towards the answer (as you suggest) or by being given the complete answer (with or without and explanation). Either way, if help is given, the intention is that they should arrive at and understand the correct answer. Personally, I learn a lot from seeing the complete answers and explanations given on this site.
I can understand the reluctance to give answers if the crossword is for an outstanding prize. However, I think that the number of people who may use this site to 'freeload' on all the answers for a given crossword and send off the complete, correct solution and are then randomly chosen to win the prize (when they otherwise would not have been able to) is probably a tiny percentage of those that submit correct answers. If this is so, the freeloaders don't significantly alter the chance of winning for someone who has worked it all out for themselves.
If someone asks for most or all solutions to a given crossword, then that's what I would call 'freeloading'. Otherwise it seems to me friendly to give them what they ask for ('a clue' or 'an answer', as they wish).
JimC