I'm outside the US, use Gemini models quite a bit, and I've never run into any refusals of any kind. I'm using them for a fairly wide range of things, I'm sure at least as risqué as asking how to transfer a sim. As a matter of fact I actually asked it's advice on how to transfer banking apps and auth apps from one phone about 3 weeks ago and got decent answers.
It's more dependent on the specific country they are in (and I don't know the specifics). But Google is large enough to have lawyers for every country, and Google is in a never ending whirlwind of national lawsuits/fines, so you end up at the mercy of whatever the lawyers for your country think will not piss off regulators. The EU (and individual states) have pretty heavy AI regulations, and Google even just got fined for an AI overview being incorrect.
It also could just be which way the wind was blowing for OP, the models are stochastic to some degree, but there is no shortage of complaints from (mostly euro) users getting stonewalled.