Uhm, that's not true at all... I wouldn't know about IVAO, but on VATSIM you CAN simulate emergencies. However, the ATC MAY make you cancel it or disconnect.
"Simulations of emergency situations are not forbidden. However, air traffic controllers have the right to deny the simulation of an emergency and pilots must stop the emergency if requested to do so. If the pilot is unable to stop the emergency, the pilot must log off the network. It is strictly forbidden to simulate real world aviation accidents and tragedies, hijacking situations, or other illegal or criminal operations under any circumstances."
Personally not a big fan or emergencies so I like to keep them away, but that's from waay earlier when they were usually performed by 13 year olds not knowing anything whilst screaming mayday into their mics pushing away everybody else... Luckily it is usually a bit better these days ?