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Just a wild guess, but based on all the predatory accounts on there trying to lure you to onlyfans, I’m guessing they’re saying Reddit is complicit. Like, they probably DM you on Reddit and then tell you to go to OF to continue the conversation. So, there is some idea that you’re really talking to someone.
In general, the whole thing is funny to me. Like, come on folks, have some respect for yourselves. Don’t pay for a para-social relationship.
Interesting question anyways, if you're a platform that can freely be used for these chats, and you don't actively forbid it (and enforce this) then are you really not complicit?
From a legal perspective depending on the country, I could see someone implicate you as a middle man or broker for scams.