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.
The whole idea of a cult is negative.
Its like saying why cant there be good shark attacks on surfers.
Defining traits of cults are that they try to brainwash you, destroy your identity and replace it with one the cult approves of.
This can happen to various degrees of severity.