YouTube has a feature where an uploader can mark a video as "Age-restricted video (requested by uploader)" and if a video is marked as such, anyone under the age of 18 (at least I think its 18) can't view the video (as well as anyone where YouTube can't identify the age of the viewer).
Why not have an option where a YouTube creator can mark a video (or a channel) as "not for kids" (regardless of content) and then if someone under the age of 13 (or where YouTube can't identify the age of that viewer) goes to the video, YouTube will prevent them viewing the video (or having their data collected or seeing targeted ads or etc). Anyone over the age of 13 will be able to view the video as normal.
The FCC has actually stated that requiring an account to verify age is an insufficient method of age-verification, as minors are able to lie about their age; just like I was 18 for 5 years when I found the naughty sites. Do I think it's logical? Of course not. The FCC decided it, so it's probably asinine, but that is their "professional judgement".
I can see perhaps for Netflix or Amazon but is anyone really sharing their cable account password?
I've been using my aunt's for years. She pays for pretty much every channel with DirecTV (except HBO for some reason!?), but because of her internet options where she lives, is unable to make use of the streaming features, so I (with her permission) do.
The trouble with opportunity is that it always comes disguised as hard work. -- Herbert V. Prochnow