Assuming that we're talking about American network TV here (otherwise "crippling government fines" makes no sense)
I was talking about American network TV, yes. On channels like HBO and Showtime, there's obviously no need to avoid nudity in bedroom scenes unless the director or screenwriter has artistic reasons to do so. (In the moral panic following Janet Jackson's "wardrobe malfunction," there were voices in Congress calling for censorship even of cable TV, but fortunately reason prevailed.)
Another viable alternative to the Modesty (or L-shaped) Bedsheet is darkness, such that we see the actors only in near-silhouette. That's more difficult to do in a comic strip, however, given the lack of audio clues as to who's speaking. (Then one might end up resorting to the particularly annoying device where the characters unnecessarily call each other by name, as if they've just completed a "communication skills" course: "Wow,
Bob, you were fantastic." --"So were you,
Jane.") If one or both of the characters have distinct body shapes, this is of course less of an issue.
(Though I must say that panel 5 of this strip was probably nearly as not-work-safe or not-parent-safe as Raven's nipples might have been, but I digress.)
I agree, particularly as the red of Dora's thong is essentially indistinguishable from the red of her fire tattoo, making it look as if she's--to quote
The Simpsons--"wearing nothing at all! Nothing at all! Nothing at all!" (*Groan*...Stupid sexy Dora.)