My understanding is how they reproduce. A cultivar reproduces "sexually", and is "true to seed". If you plant the seed you get the same or very similar plant (which produces the same seeds).
To clone is to trick an organism to divide into two or more organisms. This means they have the same strengths and weaknesses because they have nearly the same genes.
Cloning can be done by rooting cuttings of a plant or attaching a cutting of a desirable plant to a root stock of a less desirable version (or a version with qualities like limited height to keep the tree small)
"Some cultivars "come true from seed", retaining their distinguishing characteristics when grown from seed. Such plants are termed a "variety", "selection" or "strain" but these are ambiguous and confusing words that are best avoided. In general, asexually propagated cultivars grown from seeds produce highly variable seedling plants, and should not be labelled with, or sold under, the parent cultivar's name." - https://en.wikipedia.org/wiki/Cultivar#Seed-produced
Furthermore, "Which plants are chosen to be named as cultivars is simply a matter of convenience as the category was created to serve the practical needs of horticulture, agriculture, and forestry."
Apparently bananas as we know them are a mostly sterile hybrid of two other trees.
They self propagate like you say (but humans also spread them around). Bananas have a near zero rate of sexual reproduction, if you can get one to produce a seed, it's viability is low.
If you can get the seed to germinate, the resulting "offspring" from that will be distinct from the original banana, a new variety. It will not necessarily be "true to seed". It might be a better banana, or worse.
If you plant a lettuce seed you will get the same lettuce, year over year. Same with peppers and tomatoes, etc. Their traits were bred instead of cloned.
To clone is to trick an organism to divide into two or more organisms. This means they have the same strengths and weaknesses because they have nearly the same genes.
Cloning can be done by rooting cuttings of a plant or attaching a cutting of a desirable plant to a root stock of a less desirable version (or a version with qualities like limited height to keep the tree small)