Of course it's not. Steam already has a very generous refund policy. It's hard to imaging the chargeback rate would be that high even for nsfw games when you can simply refund. Refund takes about 3~4 clicks on steam website; Chargeback takes a phone call with your bank and can get your steam account locked.

And people who laundry money out stolen cards won't do that with nsfw games. They'll do that with CSGO knifes.