You cannot simply say "I don't think so". You have to give reasons, otherwise its not valid.
If Apple could stop erasing my posts this would be a nice discussion.
I am aware some people just leave it as it is. In fact, that's what I said in the post that got deleted for who knows which reason (not appealing to Apple). The thing I said is that at least, in mail services, both alternatives coexist. The option to leave it all disorganized and not sort it out in folder, and the option to do so.
Accept it or not, your strategy might work for what you need, but its not organized. Thing is, you cant tag photos, nor put name to them, nor key word search them. If it was, then the Camera Roll would be ok. But its not possible to do so with images.