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.
Scrapbook Softwares. Whether free or paid scrapbook software, you will definitely get free templates in here. Primarily because these softwares are created for saving your time and effort from all the thinking and researching, so they offer free templates when you acquire them. The next time you try to look for free scrapbook templates, try searching for the above mentioned sites that I suggested. You do need to be more specific in other searches such as the group, theme, and photo sharing sites to narrow your search. Since there are so many scrappers out there, it will not be hard for you to find one that will satisfy your need.