I have been advised, elsewhere in the forum. that product images are stored in the /images/ folder., but that new image folders for new product groups must be created by FTP not via 'admin'.
This means the 'shopkeeper' (for want of a better word) can add new product groups and new products in those groups, and can upload images for them - but it takes a specialist 'IT person' to use FTP to organise the images.
I barely trust our 'shopkeeper' with 'admin' as it is. It would be very easy for him to mess up the general settings. I understand there is a third party addon for restricting access to menus via log-in permissions (ewhich I have yet to investigate)
This seems like an opportunity for a 'wouldnt it be nice if...' comment



