I hope your side note is representative of many people, since those are the problems I've solved.
I think the only problem here is that we don't think to go looking for a solution. It will have to land in our lap to get used. And, I don't know that I'd pay for a solution unless it worked like magic. Lastly, I'd want it to be a desktop solution that I only pay for once. I have enough recurring payments in my life, I don't need one to manage my photos too.
Many of us have ideas already in mind, then we listen for what we want to hear during our research to justify what it is we've already created in our minds.
At least when bootstrapping, there are few barriers when we need to course-correct.
SIDE NOTE: Personally, the "time" issue we have as parents is at the point of moving those 500 pictures from the Camera to the PC, then someone has to sit there and organize them, tag, and decide which ones are good for sharing and which ones are not. If we skip this process once, we're behind forever.