Biggest problem with mould (which looks like ice crystals) is - it spreads quite quickly. Even if the mould is not so bad right now as to make the lens unusable, it will be some time soon. Furthermore, mould eats into the glass surface, so the only totally effective cure is stripdown, cleaning, repolishing and recoating, which will be economically viable only if a lens is very valuable and it is totally impossible to obtain another example. Haze due to common or garden dirt is not so terminal but still needs professional stripdown and cleaning.