There're aren't any real rules in art. Except color combinations and the rule of thirds.
Text in borders is a great thing in my eyes. Text over the focal too ^^ But even when it is over your focal it can become the focal.
It always can. But there're good tags with tags away from the focal ^^. Especially sprite tags, 'cause people don't want people to crawl into their screen to read their text.

I get your point bro. And it will be of use in many cases, but there're exceptions