Ok hold on ill go try that right now...
EDIT: ooooh you found a good one... ok ok..
EDIT 2: So after I closed a dozen apps including 3 powerhouse memory hogs like garagband mobile, real racing, and vainglory, it didnt happen again. But when they were all opened it happened and i was able to recreate what you said.
EDIT 3: I guess I see where the limit is, but something so small is not worth all the vitrol spewed at the phone. It literally took that specific gimmick of taking a photo while having tons of apps frozen and filling out a form. You can't even recreate this if you have all your apps closed. So if you are really a power user you only have to decide between having lots of apps frozen, or just remembering to not take a photo while filling out online forms. Not really a big deal. Its outside of the norm because iPhone isn't meant for being a power user like iPad is. Its asking a lot for that to be a valid criticism. But I understand more how it can happen now that I specifically looked into it but Ive been using iPhone for almost 10 years and never had this bother me IRL.
But most people don't close out apps and will have a bunch "frozen" pretty much all the time, meaning they would be in that type of condition most of the time. In fact Apple and many other sources recommend against closing apps as far as any battery savings and general user experience go.