Mold on fruit can be more than just a cosmetic issue - it can actually be a sign of underlying decay. Imagine eating a piece of fruit that's been slowly rotting from the inside out - not exactly the most appealing thought, right? So, even if the mold is just on the skin, it's possible that it's already started to penetrate deeper into the fruit.
On the other hand, sometimes a little mold on the skin of a lychee doesn't necessarily mean the whole fruit is ruined. It's like when you get a small stain on your favorite shirt - it doesn't mean the whole thing is trash, you can just cut out the stain and move on. With lychees, you can try cutting away the moldy part and see if the rest of the fruit is still good to eat.
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But here's the thing: it's not always easy to tell if the mold has spread to the rest of the fruit, and it's better to be safe than sorry. Think of it like playing a game of moldy fruit roulette - you might win and get a delicious, mold-free lychee, or you might lose and end up with a bellyache. So, if in doubt, it's best to err on the side of caution and toss the lychee altogether.