Wikimedia Commons frequently gets image uploads of personal content on a daily basis. Commons is NOT a web host for personal images (
http://commons.wikimedia.org/wiki/Commons:What_Commons_is_not#Commons_is_not_your_personal_free_web_host). As someone who participates in deletion on Commons, I nominate plenty of family travel photos (sorry we don't need 10 photos of you, your wife and your baby in Paris) on a weekly basis.
On another note, I do support the use of high quality smartphone photos, specifically high quality from the likes of iPhone (which honestly, the new iPhone 5 that will come out will have a camera as good as a standard digital camera did last year). I've actually tossed around the idea of doing a Wiki Takes event that focuses on iPhoneography, or at least an event that releases all images created CC-BY-A.
If I do come across the rare crappy cell phone photo (it is indeed rare), I tag it low quality (if it is) and if we have better images of that subject of better quality, I will nominate it for deletion.
Sarah