Here's my issue with this, as I too played ArcheAge.
That opens up the flood gates to terrible images being posted. I ran into a few homes in AA that had child porn covering the inside.
I know the insides of homes are instanced so you couldn't see them unless you went inside, but I still feel like it's a terrible idea to even give people the opportunity to do it. Although I guess on the flip side, if someone is going to be stupid enough to do that and get banned, it'll open up more housing plots.

Also, welcome to FFXIV!