This file seems to be intended for a very specific audience, possibly interested in diaper-related content. The rating and advice are general and based on the file type rather than its specific content.
Some basic antivirus software may only inspect the top layer of a compressed archive. By nesting a file inside multiple layers (e.g., a .rar inside a .zip), malicious actors may attempt to hide malware from automated detection systems. Annette-diaper-girl-diapersworld.rar.zip