There's literal action figures out there for ages 15+. Again, there's channels that specialize in reviewing Hot Toys. Kids don't buy that shit.
What about somebody reviewing a Mortal Kombat figure? Clearly the IP it's based on is not meant for kids, yet content creators have to either make it kid-friendly, or risk getting the hammer brought down on them just because they're reviewing a figure based off of the property.
There's also a grey area there. What if the "toy" in question comes with a decapitated head or someone's ripped out spine?