You have to be an artist to appreciate it, don't you. Your friend wouldn't give it a second thought...she "owns" the subject of the photo so she would assume she has the rights to hand it out.
It's a sensitive topic. For so many students learning to paint, copying can teach some very valuable lessons...that said I have some paintings that I guard very closely, I would furious to find someone had borrowed it.
I must confess, I hadn't given photo's any thought when I posed this question...but it would also apply to all the pirated music and movies around the world too.
Thank you for your feedback.