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I don't think that's entirely it. OnlyFans flirted with the idea of not allowing NSFW content because of pressure from the credit card companies. PornHub purged amateur content from the same pressure.
PH purge was more about being unable to validate that the content was consensual/legal.
Because they were being pressured from the credit card companies to do that.
I think that's largely for the same reason; their legal obligations to ensure they don't facilitate illegal stuff means that the risk of working with companies that do e.g. amateur porn makes the potential consequences (financial processing ban, i.e. effectively the entire company being shut down) massively outweigh the potential benefits.
So you're right that PH's legal liability was part of the reasoning, but that pressure largely came from payment processors, for whom the legal consequences are more severe.