You say there's neither church nor state, but then you cite payment processors and legal consent, which are both constructs that are determined by the state. And the content that's in question is sexual consent. The idea that there should be an additional mind (e.g. a legal mind) regulating the behaviors of sexual participants is an old religious conservative idea.
If you still insist that the church in this sense has no meaning, and that this isn't a question of church and state, then you don't believe that there is fundamentally a problem of church and state at all, which in itself is an old religious conservative idea.