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Hosted Environments are currently using version 3 of the Rich text editor, which developed by TinyMCE, which is part of the reason for the limitation in comments. With that said, in 2016.2 of cloud environments Jive upgraded to version 4 which allows for the full text editor in all content including comments. This document provides more details on the upgrade Rich Text Editor Upgrade - 2016.2 Deep Dive
Although the Hosted version for when this RTE upgrade will take place has not been decided, I can confirm this is on the Product Roadmap and is hopeful to be part of the hosted release sometime next year.
Hope this helps.