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.
Some enthusiasts go out and buy a lot of scrapbooking templates, and that's really fine. But sometimes, you don't feel like going out, or you don't want to spend a little more money for your hobby. That doesn't mean that you should stop scrapbooking, though. You can always go online for your scrapbooking templates, and there are a lot of websites offering beautiful templates for free, so you don't have to pull out your wallet or credit card. All you have to do is download and print them, and you're all set.