Not a lawyer by any means, but trying to apply intent to the letter of the policy. I think the capacity of the participants has a lot to weigh on the consideration. YPT- followed-guidelines under the auspices of the BSA/SA are then covered by insurance and national lawyers. Violations within the scouting environment subject the accused party to legal action by the BSA/SA.
With that said, I have to think that if not a scout related activity such as job, school, church, it would fall into civil and legal actions. One thing that comes to mind is the BSA/SA rules on the 2yr limit on sleeping together, whether siblings or not. Seems every multi-scout household would be violating the letter of the policy in a private dwelling. It also dictates needing registered leaders on overnighters.
I think that supports my opine on the activity type dictates BSA/SA YPT compliance or tolerance.
It's only required by those who are going to expire. The big issue is that as the new safeguarding rolled out as a 12 month requirement the individuals with more than 12 months to expire had their default expiration date changed to 31 May. The big concern is that moat leaders are in capable of reading email.