Perhaps this is a 'dumb' question that has been answered many times before. I see some very nice photos that are copyrighted and also some that are not as nice also copyrighted IMHO. Writing on a photo spoils it for me. I usually only give thumbs-up to pictures with no writing. I suppose that some people copyright so that no one will use their picture. I do not copyright mine. Am I being naive? What do you think? Has anyone had a bad experience with someone using their photo?