= Solution
Discard ground points lying in no set. For every point $x$ that lies in at least two members, form
$$
L_x=\{i:x\in A_i\}\subseteq[n].
$$
Every pair of indices lies in exactly one $L_x$, and no $L_x$ equals $[n]$ because the total intersection is empty. Thus the $L_x$ form a <finite linear space> on the $n$ indices. The number of its lines through index $i$ is at most $a_i$, with equality unless $A_i$ contains private points.
The <De Bruijn--Erdos pair-covering inequality> says that if $r_i$ is the number of lines through point $i$ in a nontrivial finite linear space on $n$ points, then
$$
\sum_{i=1}^n\binom{r_i}{2}\geq\binom n2.
$$
Applying it here gives
$$
\sum_{i=1}^n\binom{a_i}{2}
\geq\sum_{i=1}^n\binom{r_i}{2}
\geq\binom n2.
$$
Moreover, a pair of ground points can lie in at most one $A_i$, since two different members meet in only one point. Hence
$$
\sum_i\binom{a_i}{2}\leq\binom m2.
$$
Combining the inequalities gives $\binom m2\geq\binom n2$, and therefore $m\geq n$.
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