How difficult would it be for AI photo apps to filter out words, so someone cannot make anyone naked?
Easy. The most popular apps all filter for keywords, and I know that at least some then check the output against certain blacklisted criteria to make sure it hasn’t let something slip through.
But…
Anyone can host their own version and disable these features, allowing them to generate whatever they want, in the exactly same way that anyone can write their own story containing whatever they want. All you need is the determination to do it, and some modicum of ability.
People have been been creating dodgy doctored photos long before computers. When Photoshop came out, it became easier, and with AI it’s easier still. The current laws about creating and distributing indecent images still apply to these new images though.