Hi @Omer_Toraman1, in case you did not see it, there is a similar thread as yours going on. See Appending item to a list nested within another list.
The following is an interesting idea:
Rather than having to update the last element of the array, you update the first. And this is quite easy to do with the dot notation because you can update with
set : { "chat.0.answer" : ... }
This could be even better than
With the reversed array the current incomplete object is the first one of array. I like it.