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They probably aren't allowed to stream with normal 3D models because management won't approve of it. Game mods are a bit different, so they're made an exception.
Blame rigid Japanese bureaucracy. The models and rigging have to be done through "official" channels, whatever that means, and everything has to be thoroughly vetted in paperwork. Even though there's plenty of talented 3D modelers and riggers who would do quality work for for free, Cover's middle management won't allow it because they have to keep up the pretense that they actually do anything.
