Sisterseagull, you may take a picture of a construction site. That picture is yours. The image of the building belongs to the builder and architect. You can put the picture on a shelf or in a scrapbook but you cannot transfer the image to a third party.
If this were the case, most of the images I have in photo quizzes now would not be usable. That's similar to saying 'if I post an image of the Empire State Building, I must get written consent from the owners'. That's not really how it works.
There are a lot of different rules and licenses to be looked at while working out the kinks of the photo quiz process and a lot of them are not specific enough to understand at first glance. Some of the grey areas are reasons why we're not ready to open them up yet.
If a picture of the Empire State Building is posted for a quiz, we probably won't get the NY State Tourism Board sending angry emails. However, if we pull an image of the Empire State Building from an image bank or a Google Image Search we can't use it unless it's of a specific license. You may notice that most of the images in photo quizzes are only from certain sites. This is because we are only allowed public domain photos, personal images (most of which our editors tried early on, such as my Cuba quiz), and images under a very specific Creative Commons license (Attribution). Even this Attribution license has its own grey areas. We can not post a 'no-derivitaves' licensed photo. We can not post a 'non-commercial' photo because we offer gold membership. We are not allowed to post an 'Attibution-Sharealike' image. And on and on and on.
SisterSeagull would very likely be able to use his own images when we launch this thing provided they don't contain copyrighted images (eg. consumer products, mascots, etc.) and they don't include portraits of people (for example, he shouldn't be posting his family photograph in front of the Statue of Liberty). SisterSeagull does need to know that once the pictures have been posted to FunTrivia, we are to take them under the 'our property' heading, just as we would for quizzes and crosswords. This makes it all the more important; we can't accept photos which would cause problems. If they slip past the radar, we could be held accountable.
In the case of personal photos, we really do have to take the person's word for it; my Cuba photos were all taken by my Nikon on vacation a couple years back. People knew I went; in the template I noted that they were mine. Same with the stick figures quizzes. I drew them and uploaded them.
But you know-- grey areas.
There are some image search engines being developed that will search the web for duplicate, enlarged and photoshopped images.
They already do, but this isn't the concern-- the concern is licensing.
When that software becomes available at a reasonable cost, I'm sure it'll make photo-quiz work here much easier and open to more authors.
When things cost more money, it doesn't make it easier or more open for a fair number of us.

If it's gotten on youtube it ought to be okay to use!
That's not really correct. Videos get pulled from there all the time by major companies. Music is even worse. The fear of piracy and copying for videos is astounding and there's a reason why so many major TV networks show streams of their shows online (on their websites) as opposed to on sites like YouTube. Further, just because someone posts their videos to YouTube doesn't make it yours to use for derivative works. For critique, perhaps. For a site that offers gold membership for a price, absolutely not.
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Photo quizzes will come. The editors do want to see what some of our players can do with them (we know the ideas are out there). We can not, however, dive headlong into them. It does seem like time is dragging on it (and it may be) but it's a pretty big venture; no site on the internet would offer a trivia experience like we do (they don't now). We need to be 100% ready and we just don't seem to be.
It is, however, on Terry's list. As has already been said.