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.
If you would like to refer to a scrapbook template, you may be able to find a lot of options open for you to take advantage of. Templates are more of a ready made idea, that you can incorporate in your own work. A lot of people uses templates to be able to attain a fast finish product if they need that unexpectedly. Now, you may be asking where would you be able to find available templates for your scrapbook?