It’s more like the organism should have been alive within about 100 years of when you encountered the evidence. I think as generally defined or understood, a fossil is evidence of a creature that lived a very long time ago - hundreds of years or more. Whereas if I come across, say a raccoon skull on a trail, it might be a few years old but odds are that the organism was alive within the last century. So that’s what the Recent Evidence of Organism DQA is for. (as @fffffffff basically said)
What you’re referring to is the age of the evidence itself, or its observed-on date, eg the macaque photo. The photo is from March 15, 1959, and the living monkey is the evidence, so it’s definitely recent evidence of an organism relative to March 15th, 1959.
With things like photos from a family collection, the issue is more about what iNaturalist is meant for. iNat is really a place to share one’s personal experiences with nature. It’s not a data repository, and it’s not a place to dump museum specimens. It’s about someone saying “here’s an organism (or track, or scat, etc) that I encountered.” So IMO iNat is not a great place for posting old family photos that you’re not directly involved with, as cool as they are. However, I admit it’s a gray area and if you curate the observations and there aren’t a ton of them, then it’s not a big deal. Just make sure they’re clearly marked, and you may want to create a separate account that clearly states what it’s for and that your account is a stakeholder. Sorry I can’t provide more clarity.
It’s intentional and is there to emphasize that iNat is not a place to post old museum specimens and the like, which people were posting (and posting in good faith, I don’t want to scold anyone). So we added the 130 year cut-off for observed-on date, as it’s the extreme limit of a human lifetime. So theoretically a 130 year old person is able to post a photo they took during their first year of life…
I’d say no. Again, iNat is for your personal encounters with organisms in the “wild” (and yes “wild” can include that cockroach in your house). That doesn’t really extend to specimens you didn’t collect.
This seems totally fine from iNat’s perspective.