Right but, it certainly doesn't have age verification right now. Trying to eternally escape enshittification in a bourgeois society that is literally enshittifying itself into catastrophe within the next 20-30 years is a fruitless endeavor. As of this very moment, Stoat is undeniably a better choice than Discord, although not perfect. It is also more user friendly for people who aren't super aware of this stuff than alternatives like Matrix or SimpleX. Obviously still use those for activities where OPSEC matters.
Besides, it's FLOSS, and can be self-hosted, the default file size limit is literally set by the config file. Only usages supported by the Stoat team's servers (i.e. not self hosted) have 20MiB enforced. If it makes any wild decisions it's millions of users don't like, it can be forked and made irrelevant.