It's like because you want the internet to be some safe space for kids you're encouraging parents to behave like it actually is one. It's not; OF COURSE parents should be sitting with and monitoring their kids interactions on FFXIV if they want to let their kids play it. If you can't do that then DON'T let your kids online under any circumstances.
"B-b-b-but the ToS" is just an excuse to be lazy. No parent in their right mind is going to assume THAT's going to provide reasonable protection from millions of random adults. Even if SE did try to enforce the ToS by having the game conduct questionably legal scans of their customers client PCs, those can be worked around. There's literally no stopping this kind of thing.
"I'm not going to watch my kid; everyone else just needs to behave and watch him for me" is nonsense. Don't let your kids out in public if you don't plan to supervise them, and the internet is public.