I am glad you asked this question. (Obviously, since I'm the one who asked for clarification from the OP.)
I admit this goes somewhat against personal advice - well, maybe more than somewhat, and I've invited the other moderators to close; the decision was to leave it up to the community, so I hope you vote to close if you feel that it should be closed. I will not be offended in any way. As a moderator, I want the community to define it's boundaries, on the main site and here - as you've done - in Meta.
I think your answer does an excellent job of pointing out the "cons" of answering this question. But, it kind of uses the slippery slope argument, "if, then". If we answer this one, then everyone will want their questions answered. To me, one difference is not every question can be answered equally.
George Will said
All politics takes place on a slippery slope. The most important four words in politics are up to a point.
That is, in essence, my argument - we can do some good to individuals up to a point.
"I'm light headed and short of breath, and my heart is racing. Is this anxiety?" Yes, it can be. It can also be supraventricular tachycardia, anemia (which of the hundreds of causes?), hypovolemia, atrial fibrillation, congestive heart failure, a pulmonary embolism, hyperthyroidism, or the OP may just have run up four flights of stairs (among other things). We can't tell. We need to take a history, do a physical, get some tests.
"I've had a strange pain on the left side of my face for three days, and there's a lump in front of my left ear that hurts when I poke it. What is wrong with me?" Again, here we need to take a history and do a physical. We can't answer that.
Dermatology - especially to follow 'moles' - is the only specialty to my knowledge that has been shown to be amenable to iPhone-picture diagnosis.1 Also, how does the question differ from this question, this question, or this one?
So sometimes we can answer.
The question is, do we want to?
When you see questions that are attracting dangerous answers because they're asking for personal medical advice for serious health issues, close them as off-topic and leave a comment urging the author to see a doctor. (Note: it's not necessary to worry every time a question starts with, "I have..."; look for dangerous answers as the red flag.)
I want what's best for the site, so I'm malleable. On the other hand, I see this and want to help this person, because, unlike the generic "You should see your doctor for personal questions" which he will probably blow off (since he's done so for at least a decade), I want to write, "what you have is a xxx, and I would strongly advise you to see a dermatologist (for zzz reason)."
So, please, vote to close this if you feel that I'm on the wrong track.
Patient-Driven Teledermoscopy for Atypical Nevi Successful