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The government has ceded the entirety of modern currency exchange to private companies, which is still crazy to me, but I honestly don’t see people even question it that often. As if it’s just a given that online purchases (the increasing majority of all economic activity) is subject purely to a ToS and not the laws and protections granted to us by the government.
Even like ‘real’ dildo manufactures tend to claim the toy is for novelty use only and don’t recommend actually using the thing as an insertable object. Adult toys aren’t really regulated, because that would mean legitimizing them which is icky to the government. So they’ll never really be regulated for health and safety