Why do you need to draw a line? Can there be good cults and bad teams?

Both have implicit contracts, and a contract requires consideration on both sides. The parties define the value of the consideration, so you can have a junior cult member who feels they are getting good value for what they pay, or a SW dev at an insurance company who feels they don't. I also don't see much difference in your ability to affect your situation if you are unhappy with the current state.

> Where is the line between team and cult?

Typically employers pay you and cults don't.