I don't get offended by someone accidentally sharing the same spot with our mutually-nebulous avatars. It happens. Of course it does.
But if someone was actually targeting me to look up (as seems to be the case in the screenshot) and going under my skirt? That intentional, and I don't see it as okay. It would be different if you know the person and you know they won't mind, but it's not nice to do it to a stranger.
Maybe you can just separate it entirely and you think it's funny, but for me... my character is still 'me', and your character is still 'you' - we are interacting via those avatars, and if I wouldn't act in a way toward the real you then I wouldn't do it with virtual-you either.
(And maybe our avatars are intangible ghosts in a computer-generated reality, but our characters are not. Why get emotionally attached to any of the NPC characters in the game otherwise? They're just polygons and text and maybe some voice acting. Except they're not, as long as you're caught up in the story - within that world, they're living people, and so are our characters.)
As for whether the camera actually lets you see anything... with the very rigid way skirts behave in this game, I've found myself looking up my own character's skirt often enough.
