I can say anything i want in chat and everyone sees it.
But they are worried about moderating extremely tiny (even low res) decals.
That's the PGI way. The atlas can have a penis and balls on it's ass as is.
A report system that gets you banned for abusing them, all together or for a time would be easy enough. Espically if they charge a MC fee for their use, no money back for abusing them.
I'd love to see just stock decals, with new decals released every now and then (maybe for achievements?) so that we can make our mechs more personal. I'd look forward to one I can put near a gunbarrel and have it say 'Aim Away From Face'. Or a 'SURPRISE!' I can strap to an SRMpack.
No player-made decals unless they get sent to PGI for approval first. If they like it, they can code it into the game. If they don't... they don't!