I don't think people need that freedom,
I would disagree with that because I transfer music with my friends all the time thru phones. I hope the iPhone Nano (should there be such product) would use Bluetooth 2.1 and use some of the features including transfer of music, files, etc.
Actually, the photo app is just an file viewer for IMAGES. So a Finder can be easily done... Just have a finder, then have seperate categories such as photos, downloads, music, games, etc.
Anyway, it's going to take a while before I can release my concept since I'm not at home and on vacation... sigh.