There's not enough information to really know who Lucy specifically is. She could be just a regular reader of fanfiction who took the time to rate this piece as M. Maybe she's part of a fanfiction community where people rate works to help others know what to expect.
Well, it's hard to say for sure. The concept of 'porn-like' is quite subjective. Some might consider certain novels with excessive sexual descriptions as such, but it depends on individual perspectives and cultural standards.
In many places, 18+ porn comics are considered illegal. This is because they can have a negative impact on society and violate moral and legal standards.
The main distinction of porn with a story genre from regular porn is the presence of a coherent narrative. Regular porn often jumps straight to the sexual action, while the story genre tries to add some kind of story framework around it. But in the end, both are adult-oriented and feature explicit sexual content.