Quote Originally Posted by Savagelf View Post
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From the ESRB itself:

"Online Interactions Not Rated by the ESRB" - Warns those who intend to play the game online about possible exposure to chat (text, audio, video) or other types of user-generated content (e.g., maps, skins) that have not been considered in the ESRB rating assignment.

The T rating assigned applies only to the game content not online interactions between players. Excessive use of profanity; public ERP and etc are handled by a GM's discretion. This isn't unique to FFXIV, but all online games because it's literally impossible to manage how players interact on a constant basis. Regardless, GMs turn a blind eye to many things, provided they aren't used to harass others. This is why parses and reshade aren't immediately flagged.