If you understand the principles behind website templates you will immediately see the huge benefits to WordPress template systems. Basically it is designed to hookup automated template ideas to a system via which a client who knows nothing about anything can access your site (behind password protection obviously) and update and manage the website that you leave him.
Of course, the reason why you would like your memories to be mounted to a scrapbook instead of a photo album, is because you would like it to be special as much as possible. When you create a scrapbook of your own, you do not have limitations in adding as much creativity as you want, unlike photo albums, you are entailed to use only the spaces that are allotted for pictures. And since photo albums are ready made, it's difficult to make a personal touch for your own preference.