This is exactly how I use tarot! It's not a magical technique of divination, it's a collection of targeted vagueries that help your brain frame a concept in a way you wouldn't naturally conceive. You make the answers, tarot is just the conceptual equivalent of picking up an object and inspecting it to figure out what it is.
For me, meditation is basically useless for anything outside of self diagnostic work. I can use it to figure out where a pain is coming from or how my guts feel but anything more emotional needs more prompting.
The way I see it, it's just a form of therapy. People don't walk in and sit silently, they talk about their problems and get vague reassurance that everything is going to be alright - or occasional advice when they're way out of bounds
I don't think it's unethical to do that, so long as you operate in good faith with good intentions