Okay, while I doubt Rachel does this.. it's not as deep as you make it out to be.
1. She may do $100 a blurred nude. There are people who would pay that much for that content, but will never do a monthly sub of $100. Is she just going to give that money up? Also, the costs are inflated. Every influencer I've ever talked to can have their prices talked down by at least 50%.
2. OF is seen as a brand risk. Some girls do nude shit via Dropbox so they don't get the social stigma of having a OF. This point may be moot due to Katelyn having an OF, but yeah.
Again, I doubt she does that content but there is validity.