Re: $400 per year
Agreed. Free web storage from an ISP is something I actually don't hear of anymore. Some might but I haven't seen it in ages. Just like ISPs actually running their own USENET servers. Between costs and legal reasons it's simply easier for them to not run the servers. Let the customers get the service from a third-party.
Another thing to consider with respect to using your own ISP web storage for images which might be linked to forums, etc, there's the area of privacy and some anonymity rather than leading someone who reads a forum right to your front door. Using a third-party location to store those images works out more nicely, IMO. But, Photobucket would never have been one of the sites that I used.