This is a reasonable solution though I would ALSO suggest that such a policy be accompanied by a disclaimer that (unless the actual copyright holder comes forth and denies approval and denies that the item is fair use) we prefer leaving the image in place to wholesale deletions done WITHOUT providing a suitable replacement picture.
Otherwise I can see any number of trolls on Wikipedia running around deleting pictures of their political opponents, or people they don't like, or girls they think are sluts, or any other nonsense and then claiming "it needed to go Wikipedia didn't have copyright approval" when called on their vandalism.
A. Nony Mouse
That said, the problem is big enough that it would be unreasonable to try to make a full correction at this time. I think we just need to start with the position that we prefer works made by wikipedians and will replace works not made by wikipedians with works by wikipedians as such choices come along.
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