well, don't get me wrong, digital cameras are still the best thing ever. my wife (Tracy's the site mom, SplitCoastStampers is her SU! group name) just took 600+ pictures at the SU! convention in Las Vegas with ours. I don't know what costs for developing that many rolls of film would have been, but I don't want to even think about it.
maybe someone else will chime in with advice about posting cards using other people's ideas, but any idea takes inspiration from someone else, yes? in general though, if you feel you need to credit someone use the Keyword field on the upload form.
private messages work like e-mail, yes, in that only the recipient gets it. when you visit the forums and someone's pm'd you, you'll get a little notification window that says you've got a new message. in the example you gave, you may as well post a comment on the card, so that other people get the benefit of the answer to your question.