People aren't looking at the ratings.

"Oh look honey, its T for teen. Can't possibly have anything really bad in it, right?"
*buys the game*

This is what parents and children need to do. Turn the game around and you'll see why it was rated T. Sexual Themes and Sexual Activity. Then ya know if it has it.
Sims 2 goes under the covers with their head popping out of the covers sometimes. Or they do it in the hot tub, and they go under the water and you see hearts come up. Any questions?