Patreon need to change the rules.
I don't see why Patreon needs to change the rules. Patreon isn't a distributing platform. As taken right from their TOS
"Patreon is a platform where patrons can support and engage with creators."
"Patreon is a platform. We are not responsible for the quality, timing or legality of content or rewards."
Support not buy. You're not buying anything, you are supporting the content creator, in lack of better words, you appreciate the content creators work and would like to help them make a living. This isn't to say that there aren't those out there who abuse the system. If so, why do patrons continue to support them? I don't know and could care less, it's their money they do what they want with it.
If you're not happy with a patreon, surely there needs to be a decent refund process inside a trial period at least.
There's plenty of information on the page to tell you if the content creator is legit or not. For example. Redamz clearly states right on the page
What is Monster Girl Island?
It's a 3D 'game' with monster girls, lewd and barely any gameplay.
Why do I have to give you money?
Up to you. There's some rewards I guess.
It can't get any clearer than this. The fact that people don't bother to read and pay attention to the content creators page isn't Patreons fault. If a content creators Patreon page looks sketchy why bother supporting them? There's enough information on their Patreon page to let anyone know if they should or shouldn't support them. It's not rocket science to determine if said content creator is legit or isn't.