As others have mentioned I feel intent is the key. For example, someone in our FC was getting flak from another player because they relocated to a plot that they wanted, when we found out said player happened to be an RP'er and had a event going on we had some fun at their expense. We used our free fantasias to copy the image of said player to best of our ability and went to the event running around calling one another an impostor.

What we did was clearly harassment and fully expect to get a warning of some kind for our actions. I do agree it really does come down to intent.