Reddit's issue is that anything related to the farms will get nuked out of existence by the site admins; if a general KF sub were to be made and run by KF users themselves, there wouldn't be any trouble unless the site admins cracked down on it.
Discord is a different story so you can just start your own server there but you'd have to recruit all the actives from this thread to there, and I'm not sure if people would want their discord associated with KF in general unless the server scrubbed any known reference of our presence here and was named something like "Chuubas" or some shit. Difference there being that there's no real way for Discord itself to crack down on shit like that.
And then you have Haachama who asks fans for feet videos and rates NSFW submissions of herself.
It's mostly the server culture and the fact that many of the dedicated hololive discords, including the main "unofficial" one (YAGOO has shown up there exactly once and the entire server basically nutted itself) may or may not actually be frequented by staff and possibly talent under an alias; it's joked about in some of the servers but on paper, none of the fan discords are "official" and their userbases are absolutely fucking massive that maintaining kayfabe is kind of a necessity. The main one that I spend a lot of time on is Mori's Realm, which is dedicated to...well, no extra points for guessing correctly. Aside from some problem users (some guy posts there as Nyuu and is the embodiment of cringe) the entire server is probably the most relaxed one of the EN crew simply because most of Calliope's fans are about as old as she is, frequently older, and are thoroughly done with all the cliquey high school bullshit. Granted, I have absolutely no fucking clue how old Karen is but I'm assuming she's at least in her late 20's or possibly early 30's, but most people on the server are around that age, at least mentally.