I have never really used stock photos because scrapbooking for me is mostly about the memories.
However, for lots of people it's about creative expression, and if your main purpose is to create beautiful art, then there's no reason not to use stock photos.
We all scrap for different reasons, and some people just like making prety pages. Or they like supporting the designers they create for. I think there could be many reasons to scrap besides the one that is important to me.
It would probably be helpful if people credited the source of their photos, though, if they are using stock photos, because if one of us takes a really amazing photo, I want to say YAY! What a great photo!, but it's weird to say that about someone else's photo.
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