This is an industry ripe for disruption. I took a half assed shot at it last year (still online but left for dead) with shutterhire.com

My basic concept was that at some price photographers would give away all the digitals, customers should be able to "use" them (but not sell them) as they wished, and that people should choose photographers almost exclusively on the quality of their work. The business would be a marketplace fee for arranging the transaction.

I ultimately gave up due to personal priorities (children / day job) and a complicated legal mountain to climb (who owns copyright? Do you force everyone into a contract?).

If anyone wants to pick it up I'd be happy to share the code.