Sorry about that, but yeah, posting links, asking adult questions sending/receiving PMs, and other such limitations like that have been put on this site to try and weed out spammers, and certain trolls. It's nothing personal. Just think of it as a probation system to weed out bad elements.
As for your other questions...
What if somebody had a desperate situation and needed an answer to something sexual fast:
Disease - Well I'd recommend a doctor, walk in clinic, an ER, something. But, if you want to talk about it here, in the meantime, reclassify it as "Health"
Rape - Reclassify it, and ask for advice under "Health", "Behaviour" or "Other"
Unexpected pregnancy - Reclassify it, and ask for advice under "Health", "Behaviour" or "Other"
All simple enough. But it doesn't take a whole lot to earn a level 3 on this site. Answer maybe 33 answers, or fill out your profile in full, complete with pictures, links and more, and adding a couple reality check profiles. All of this could help. Also, answering questions in short, non-committal sentences can help speed things along, just don't do them as one-worders. One-liners are generally acceptable though.
Yeah I know this can seem like a pain, but you have no idea how bad this place used to be. As I said, these rules were put here to bring some sense of order to all the chaos and (frankly speaking) bullshit that went on, here on GirlsAskGuys. Yes it's annoying, but it's not to keep people from getting answers. It's to weed out bad elements. Computers are less likely do get through, and non-computers rarely want to put in the effort.
Still, in the meantime, I did give you some solutions to the problems you asked about. Hopefully that helps for now. Good luck, and welcome to GirlsAskGuys.
( For other means of collecting Xper Points, please read these links. link link link link link