Hi so you've read the title and you're probably either angry, curious both or none of the above. I would like to say FIRST that I support onlyfans models and pay for their "content", subscribe to them, pay for exclusive videos and believe their should be rights to protect those in these industries. But a problem that I see reoccuring in these industries is insurance.
What is insurance? Google defines it is as "a practice or arrangement by which a company or government agency provides a guarantee of compensation for specified loss, damage, illness, or death in return for payment of a premium."
Now that's the answer google gives but lets dive a little bit deeper and go to the definition when it comes to economics.
This definition of insurance is given by investopedia. Insurance is a contract in which an insurer indemnifies another against losses from specific contingencies or perils.
Now with legitimate companies there is something called insurance. If you go to your local store and pick up lets say an apple. The apple is insured by the store to be at a certain guideline for the customer, if you don't want the apple you can return it with a receipt or proof of purchase. Because the apple is insured you won't lose any money if you can legitimately prove that the apple wasn't up to your standards or the standards set by the store. We can move around with this example when it comes to services as well such as a car wash, house cleaning, salon, nails, dining etc. These services are usually backed by a sort of insurance or money back gurantee by whoever is providing the service. This gives some sort of security to the consumer. With onlyfans/justforfans/chaturbate or other sites similar this same rule does not apply.
Now some of you may say "But of course it applies, if they don't provide quality service then no one subscribes!", but that's not entirely true. Just take a look at Onlyfans reviews for a second and see the amount of people unhappy with what they get or receive and then match that up with popularity. You will find that just because someone is popular does not exactly mean the service through onlyfans and similar sites is the quality or standard their customers are holding them too. Hell, even if the performers set bait the customers into thinking the quality of their post are higher than what it is in actuality. This is where insurance comes into play. With an onlyfans model or similar site models you cannot insure that your money is well spent. It is in fact a leap of faith you're taking with money. Similar to gambling. Reminder: This is not to say that being an onlyfans model is bad or to demean anyone who makes their money through these sites, I say get your bread but you are not a legitimate business because you cannot put insurance on your products.
Let's say we push back about 5 years before the rise of independent creators. There were porn sites or porn studios. These sites were typically insured (not saying all) but if you could prove that you were legitamely underwhelmed with the service you've received you can receive a full or partial refund or another service. This is because it was a company and not an individual person or individual people using their body as a service to customers. You cannot insure onlyfans or similar site creators. If I become a sensation on a social media website and I start posting that you can subscribe to my exclusive content and say that I post my buttocks and frontal and you subscribe and there is nothing like that, you get no refund, you do not get your money back and if you try to force me to do anything in regards to my body you are most likely committing a criminal act. There is no guarantee the buyer at all. There is no service that is going to make me post what you desire or force me to perform any act with my body that I do not consent to. So in essence you are paying for a service or goods that is not insured by anything, you are taking a leap of faith, you are gambling on what you receive, and I constitute a legitimate business even though nothing I have is insured.
Again I'm not saying to force any creator to do anything that they're not comfortable with, I am just saying that Onlyfans or similar sites are not legitimate forms of business but are being treated as such.
Now I feel there could be some solutions that help mitigate these issues. Onlyans or similar sites having legitimate reviews left under the creators with ratings, previews of the content the creator is planning to sell, and awards for certain creators that show they have frequent returning customers. Now some content creating brands do this already which is great but major sites should adopt this approach. If not some of these creators are turning into literal scams.
I cannot name one branch of business where I could overhype, make false promises, obscure the truth, keep secrets, not be obligated to show reviews or testimonials, and still at the end of the day be protected from any judgement and treated delicately (other than religion). These are all descriptions of scamming but because the service or good is someone's body it is difficult to hold them to a standard of insurance but I believe that without taking away an individual creators basic human rights we should still hold creators to a standard that gives insurance and reassurance to the customer.
Again I want to reiterate that I support many onlyfans creators and respect their privacy and basic human rights and the fact that they literally show case their lives and bodies for the enjoyment of their fans BUT when you make your life or your body a business service there should be some insurance that their customers are getting close to what they're paying for without degrading their rights as people. I would really like to hear discussion around this topic without degrading people as human beings.