Just as an idea... Incase this would be used for 'adult' communities, a '18 only' picture can be toggled...
So, if userA posts a picture of her.... Assets, she can tick a box which would show an image of the admin's choice (like an image of XXX) to all members not belonging to the usergroup who is allowed to see adult images that is set by, just thinking here, the subs manager... Sell a sub to 'help' determine the age of the user (as the rule is that you aren't *supposed* to have a cc if under 18), once purchase is verified through the sub manager, you get placed into usergroupX which is allowed adult content. Without that usergroup, all you see is the 'mundane' pictures and images denoting XXX content.
Just my $.02
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