A generator's filter usually runs at two points. One check reads your prompt before anything renders, and another looks at the finished picture. The second one is why a harmless-sounding prompt can come back blocked, and why filters sometimes stop ordinary things like swimwear, medical images or classical nudes.
Turning the adult-content check off removes that kind of false alarm. It doesn't mean nothing reads your request: the rules on age and consent don't depend on what you've paid, and breaking them can get a request refused and an account closed on any plan.