Not sure either, but i don't think your channel would be one to lose its comments/targeted ads as the content isn't specifically made for young children as made for kids channels are.
Doesn't really matter if it's specifically made for small kids or not. The new COPPA amendments go after any content that's not just "made for kids" but also potentially "appealing to kids". Seeing how that type of standard is too vague, subjective and open to interpretation, rest assured SOME YouTubers who don't make content for small kids will get tagged and targeted for making "kid appealing" content and will get fined.
The $42,430 penalty isn't the fixed sum. The guidelines state that it's "up to $42,430" which means it's likely rarely or never going to be that much, but it has been stated that the fines will be "per offence", which basically means "per video".
Thank YouTube for breaking the 2013 law for the past 6 years and serving personalized ads to kids under 13. Now, YT is bouncing the responsibility to creators even though we have absolutely no power over who, where and when watches our content - it's YT algorithm deciding that.
In theory, marking your content "Not made for kids" could be an easy fix because YT can just take that information and never display your video to users they deem as kids under 13. We all know YT's not gonna do it because that's gonna cause them to lose 100s of millions of dollars of ad revenue.
However, marking your content "No, it's not made for kids" doesn't really even matter when FTC has stated they'll specifically go after content creators THEY deem are making "kid appealing" content.
Unfortunately for lightsen, she's into animated content and that's the type of content that's been explicitly listed as one of the examples of "appeals to kids" content.
And in the end, kids aren't going to get protected at all. Kid-friendly content is not gonna be produced any more starting from January 2020 and kids will be exposed to progressively more and more adult videos, ultimately resulting in an opposite effect - instead of protecting them, they will be exposed to more stuff not appropriate for their age.
Proper shitstorm, eh?