Gotta question how many 12 year olds you've seen, buddy! Jokes aside, I do agree she looks a little young, but sadly it's out of my control for my abilities right now. As someone said earlier in the thread, it's a Vroid model, and there's only so much I can do without causing more pretty big clipping issues or severely limiting the amount of animations/clothes in the game.
Contract is just there for some flavor, really. I agree it'd be much cooler if it was in-game, but the amount of time it would take to get that looking good/functioning well isn't worth the 1 time you'll see it in total.
For long term consequences like app lockouts, this'll be added/involved in the chastity feature.