In the standard derivation of the adiabatic approximation (see Sakurai in Modern Quantum Mechanics, Wikipedia) a differential equation for the coefficients is reached as $$ i\hbar \dot{c}_m(t) + i\hbar \sum_n c_n(t) \langle m(t)|\dot{n}(t)\rangle = c_m(t)E_m(t) \tag{1} $$
Now in order to find the inner product $\langle{m(t)|\dot{n}(t)}$, usually the method is to differentiate the time-independent Schrodinger equation using the product rule and use orthogonality of basis states to find
$$ \langle m(t)|\dot{n}(t)\rangle = -\frac{\langle m(t)|\dot H (t)|n(t)\rangle}{E_m(t)-E_n(t)} \tag{2} $$
But why can't the time-dependent Schrodinger equation be used again on the basis state $|n(t)\rangle$?
$$ i\hbar |\dot n(t)\rangle = H(t)|n(t)\rangle = E_n(t)|n(t)\rangle \tag{3} $$
Clearly this is wrong since substituting into $(1)$ gives that $\dot{c}_m(t) = 0$, but where is the flaw?