Four apps though (and what about ABC - doesn't that have it's own service? That would make 5.)? That's more than a bit ridiculous. With the publicity the Fox purchase has garnered, anyone who believes Disney doesn't own/produce R-rated films (or hasn't in the past) is deluding themselves. Do they want people to forget they own so many media outlets? Maybe.
Realistically, people want a streamlined experience. Netflix "sort of" gives us that with the Kids section and allowing each family member to have their own account - but they could do better, YouTube tried (and failed ridiculously) with YouTube Kids (they need a forced rating system so parents can filter what shows in their account), Vudu doesn't have any separation for content, nor does Prime or Movies Anywhere (I know I'm lumping different kinds of services here, but they're all related to online viewing). I can't speak about Hulu, because we don't have it. Of all of the above, we use Netflix, Prime, Vudu, and YouTube most often and in that order from most to least. Why? Because they offer the most content with the least amount of hassle. Even Movies Anywhere doesn't cover digital movies from all distributors, but Vudu does. Prime and Vudu even have movies and shows you can watch for free with no subscription to anything or having to buy anything (with ads).
If Disney wants people to subscribe and never want to leave, they'll give us a streamlined experience with a means to block inappropriate content from children...I'd even wager that they could get a higher subscription fee overall if they set it up this way - especially from people who are parents.
As far as sharing a front page with inappropriate content? No need to. A best case scenario would be to have a single app with multiple family member accounts (like Netflix or Apple - Apple really has it nailed with family sharing and parent/child accounts). Upon installing the app, the user is asked if they are a parent or child. Parent accounts show an icon for every service, child accounts only show Disney+ or Disney+ Kids, or whatever.