Consideration must be given to air flow around the joists and bearers. A cross flow of air must also be allowed for in the decking sub floor design, to allow wet soil to dry out.
Houses are built allowing for a minimum of 150mm under the lowest structural member if it is treated timber or 400mm if untreated, but both these conditions are with the inclusion of ant caps.
A deck should be built with treated stumps, however a low level deck in any form should never be at ground level. It is simply is a termite problem waiting to happen.
I have seen so many decks ruined by termites, that are generally are DIY structures. here to edit.