I cannot understand, why this seems to be such a big problem. When my kids were smaller, they would have liked to watch me play, because they thought everything animated is intended for kids. Well, my wife and I thought watching a war simulation is not for minors, so I played (and still do) after they have gone to bed. Nor do they need to watch and hear drunk people online. And I think it isn't even my wife's business what we are talking while playing. That is why I wear headphones and type, when I don't want her to hear.
AH doesn't seem to have any age limitations, but since credit cards do have theirs, I guess HTC select their customers by age that way.
Speaking of profanity filters, there's plenty of them available to save our kids while surfing the 'net. A recent comparison in a Finnish PC-magazine found out, that a certain
Finnish town still doesn't qualify due to the first four letters in it's name. Not to mention (again) myself being muted for telling in Finnish on Squad channel, how big a bag of potato chips I had...