I will occasionally use a stock photo - or a screenshot from Google Earth - if I was unable to get a decent photo of someplace that I've visited. For example, I was in a church a couple of days ago and didn't feel comfortable taking a picture there, so I found a picture online that was similar to one that I would have taken. I'd rather use my own pictures, but sometimes that's not possible.
There are some good reasons why people do use stock photos. I have to say, though, that I much prefer to see layouts with real family photos in product previews. I've been known to not purchase a kit when most of the previews were made with stock photos, because I want to see how a kit might work with my photos - and my family photos definitely don't look like stock photos! I'd rather see real photos with blurred faces than perfect stock photos.
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