It's a retarded rule, simply because it's a rule that has nuance and most streamers are retarded. It's like giving the keys to an armored truck to Stephen Hawking.
Here are a couple things I've seen multiple times
1) Streamer will freak out about chat namedropping someone... that the streamer had already mentioned during the stream, sometimes THE SENTENCE BEFORE
2)A streamer will talk about not being able to find a collab partner for a specific game, a chatter will name someone who regularly plays it. "WHY ARE YOU BRINGING UP HERRRRR THIS IS MYYYY STREAM" (hi Lia)
You have some streamers that don't have this rule or are lax with it, and you know what? They never have this problem because they aren't dumbasses and make it a problem
You know what is worse than a retarded rule? Putting a retard in charge that is too dumb to enforce it properly
EDIT: I fucking hate cell phones