Every platform here refuses sexual content involving minors, and every one of them runs detection for it on both prompts and outputs. This is not a filter that a permissive plan unlocks. It is a legal obligation in every jurisdiction these companies operate in, it is enforced by their payment processors independently of the law, and it is the one line where attempting to work around it will end your account and can end considerably more than that.
Likeness of real people is the second hard line, and it is tightening. Generating sexual imagery of an identifiable real person is now specifically illegal in a growing list of jurisdictions, and platforms have moved from discouraging it to actively blocking it. Any platform advertising the opposite is telling you something about how long it plans to exist.
There is a third category that is not legal but commercial: payment processors impose content rules of their own, and losing card processing is fatal for a subscription business. This is why the category's limits move in unison β they are downstream of the same two or three companies.