Bonus points: If dall-e rejects an output image because it thinks the image is inappropriate they won't show it. But they will still charge you for the prompt.
How is this legal? If someone commissions a painting from you, you're not allowed to just say "I'm not giving you the painting, but I'm keeping your money." Why does doing it with a computer make it okay?
The problem is that they will automatically ban accounts that trigger the filter too much, so people would have to burn a whole lot of accounts to assemble an even remotely-complete list.