There is a more primitive and natural version of Nakayama's lemma:
Let $R$ be a commutative ring, and $M$ be a finitely generated $R$-module and $I\subset R$ be an ideal. If $IM=M$ then $\exists f\in I,\forall m\in M,f\cdot m=m$.
The proof is a bit harder than the above version, but this pretty much says "If $IM=M$ then one of the elements of $I$ stablizes all elements of $M$." And I think this is much more natural than the above version. Assuming this version, then we can see that the condition of "Jacobson ideal" is only used to show that "$1-f$ is a unit" which leads to "$M=0$".
For completion, I give a proof of the above version here:
Proof: Let $m_1,...,m_n$ be a set of generators of $M$. Since $IM=M$, we have a matrix $A'=(a_{ij})\in \textrm{M}_{n\times n}(R)$ such that $A'\underline{m}=\underline{m}$ where $\underline{m}=(m_1,...,m_n)^t$ and $a_{ij}\in I,\forall i,j\leq n$. Now let $A=\textrm{Id}-A'$ so we have $A\underline{m}=\underline{0}$.
Note that $\det A\in R$ is well-defined and there exists a matrix $B\in \textrm{M}_{n\times n}(R)$ s.t. $BA=AB=\det A\cdot \textrm{Id}$, the proof is in Corollary 9.161 of Advanced Modern Algebra by Joseph J. Rotman. Also $\det$ commutes with the quotient map $R\rightarrow R/I$, with $A\equiv \textrm{Id} \ (\textrm{mod }I)$ we can deduce that $\det A\in 1+I$, so $\exists f\in I$, s.t. $\det A=1-f$.
To show $f$ stablizes $M$ it suffices to show that $f\cdot m_i=m_i,\forall i$.
$$\underline{0}=BA\underline{m}=\det A\cdot \underline{m}=(1-f)\cdot \underline{m}$$
So
$$f\cdot \underline{m}=\underline{m}$$
The result follows. Q.E.D