The framework becomes part of the house, or cupboard. A screwdriver does not become part of the house.
That is the semantic difference between tools and frameworks.
This doesn't mean one cannot ever use a framework as a tool, or a tool as a framework. But I'd argue in those cases one stops being resp. a framework or tool and starts being a tool or framework.
Maybe the word 'tool' is just not adequate and there is no 1 to 1 equivalence here. If you come from woodworking, the saw or drill doesn't end up being part of the table you build whereas the framework code is part of the actual product you build. Or in other words, if you remove the framework after you programmed your solution the solution stops working where as if you remove the drill and put it back into your bag the table still stands. I would argue there is a categorical difference at play here.
So maybe words like tool, scaffolding (and even framework) are just not entirely up to the job of describing what a 'software framework' is and ultimately lead to confusion.
Frameworks are the scaffolding, the skeleton. They dictate the shape. It's literally in the name.
> : a skeletal, openwork, or structural frame
Tools are the things you use to build within that skeleton.
More pragmatic: Rails is a framework that dictates an MVC shape, with an RDS, that produces server side rendered HTML or data in a RESTfull manner.
The tools you use for Rails development are your IDE, a CI, revision control, a terminal, maybe even the IAAS provider.