Clan banner options are very disappointing in their current form. There's really no room for creativity since they don't have basic shapes. As it stands now everyone is pretty much forced to use the same 15 or so images.
I'm hoping Bungie adds many more options by launch otherwise everyone's banner is pretty much going to look the same. It is possible that new images could be part of the clan rewards- hopefully not.
Take a note out of the emblem editor for For Honor. Sure people could potentially draw dicks, but you could get some really cool stuff done by the community too. Just leave an option to report offensive images and let us express our clan!