It's a bandwidth issue. Large files take up more space on the server (we have plenty of space but need to be prudent) and more importantly our server gets charged more if we exceed certain bandwidth (that's how many pages or files we deliver in a month) - the larger the files the more we pay. Most forums will limit the size of uploads to avoid causing heavy bandwidth costs. If you want to load large images use the
Gallery as that has more advanced upload routines that resize your images for you.