Will Smith's 13-year-old daughter took a pic in bed that's raising a lot of eyebrows ... because she's laying next to a topless 20-year-old man.
In the photo ... Willow Smith is in bed -- fully clothed and on top of the covers -- and an actor named Moises Arias is sitting next to her sans shirt.
Moises -- best known for his role as Rico on "Hannah Montana" -- and Willow don't appear to be touching each other in the black and white shot he posted on Instagram ... still it's a strange scene.
Moises eventually deleted his IG post -- but other people have reposted it and called the image perverted
Isn't Moises Jaden's best friend? I think people might be reading too much into this picture (I do understand why tho). He probably views the girl as a little sister
at it being Moises though 
