Group Sites or Social Network Sites. There are usually dedicated sites for different groups depending on what they are doing. Social Networks are much broader, but groups within them like scrapmoms, scrapsisters, and so many more usually share their ideas and projects. It is up to you whether you will join any group if you want to get more details and interact with the people within the group, but you will get templates in there.
There is a lot to be said about the time_saving benefits of using scrapbooking templates. If you've ever spent hours trying to think of a theme for your next project, you will know what I mean. You'd have to choose colors, designs, shapes, and layouts. But with scrapbooking templates, you can avoid all that, plus also avoid looking for different scrapbook ideas and then trying to find suitable embellishments for the theme you choose.