Then I guess I'm the unfunny type of players in the game...
Comparing PvP with panty shot sounds irrelevant because when we join PvP we agree and consent about actions and activities related to PvP itself. When we join PvP we consent with people who will attack us and we have their consent to attack them if we're on a different team. I'm sure those who joined PvP understand this. If the character someone took their panty shot with didn't consent then it's a harassment, but hitting other players in PvP where the rules stated we can knock the enemies' team out to wins isn't.
And I don't think we can compare video game character that used to represent us with cars since we can't take a photo of a car like panty shots. Some characters are the personification of the players who wants to explore Eorzea as themselves like what fashion sets we want to use, how we want to represent themselves, etc. When someone gave their character gear set of their taste and a stranger took their photo is more like the equivalent of a stranger on the street taking photos of you wearing your favourite clothes. It's creepy.
I just want to warn everyone here that consent is the key on whatever you do when you have contact with other players. Taking photos of other people's character like a normal human (from far away, asked them to use emotes, selfies, etc) is okay but panty shot is never okay. It's like when a stranger wanted to take a photo of your personal belongings inside your car. It's none of their business not their belongings but they shoves themselves to your privacy.
And if you're personally okay and will laugh at these action, then you're good but some people like me and op may have problems and trauma with actions without consent.