If you have the time to be focused on folder hierarchy and organization, great. Most of the people I help don't, and I built this for them. In building it, I learned that organizing files wastes much more time than you think. Finding files is all anyone actually needs.

I don't disagree, but it depends. Some files just don't stand alone and are related to each other.

"Stream" photo libraries of people who take pictures for work know this issue all too well: there's a lot of junk mixed with their personal photos. What if we had... folders: one personal and one for work or per customer.