Not everyone know how to name their photographs. The proper photograph naming scheme is simply the biggest missed opportunity since the dawn of digital cameras. Using the naming scheme of Dates Pictures Taken, along with a word or two of the event, people can save themselves from aggravation in managing their thousands of digital photos.

Generally, photos are taken of an event and on a particular day. You may have multiple events in the same day, so you can further nest by time as well. But that's as far as an average user go.

It should be user's own responsibility to manage their naming schemes and sorting. You can then upload folders to any web service (or don't even bother if you use Sugar Sync or Dropbox etc).