You couldn't be further off with you guess. We have 5 children and I have been taking digital pictures for a long time. My N900 is kind of another backup place with the benefit of having all images in my pocket.
Taging them would take a very very long time and I can imagine that swichting a phone could break the tags and make me sad having tagged everything for nothing.
So I think a scrollbar would just be nice feature to move quickly in may places.