There's nothing in copyright which takes that into account. The photo is copyrighted. Netflix makes a huge deal about copyright and goes out of its way to restrict what you can see and do with their stuff. Yet they ignore copyright because reasons.

Why would it be ok to copy a photo because then another company can make money off it because the initial person may or maybe not made the picture to make money?

this is a great and very clear standard, I'm sure it will scale to every photograph on the internet.

Yup. It's called "common sense". Many people on HN should adopt it, challenging as it is.