I just looked up the rating level beyond "M", which is "A" for adults only. The description there says the following: "Content suitable only for adults ages 18 and up. May include prolonged scenes of intense violence, graphic sexual content and/or gambling with real currency."

AH HA! So that's where the moral red-line has been drawn! Don't let your children witness gambling with real currency! Whew, glad we don't have to deal with that in BG III ... uh, unless there is a gambling tent like in the Nashkel fairgrounds? Oh oh.