There are forums which allow for putting up images using a simple copy and paste.
There sure are. What these sites do is upload your image from your local disk and store it on their server. Images are much larger (more expensive) than text. Were FR to do this I would expect that they would need to roughly double the existing hardware for equivalent performance.
Not a web designer, but I've written a few db driven websites.
I do think that learning HTML is becoming fundamental. Like typing. You can live your life without being able to touch type, but it limits the bandwidth of your communication channel. It's a choice.
I, for one, welcome our new Cybernetic Overlords /.