Is it bad to do near-naked photographic modelling?

It is not wrong legally if you are over 18 years of age and considered an adult. There are some problems that could develop. First near naked could become all naked and soon you are doing pornography. Eventually that could lead into prostitution. Finally the pics will likely wind up on the internet in thousands of horny men's computers and you might find it difficult to explain away when you get older. There were some male politicians in the USA who recently got in serious trouble because they allowed near naked pics of themselves to get on the internet.