Good post, and I believe everyone is guilty at some points.
I have seen many new divers damaging the reef and even my head by kicking hard. The typical is, when they kick something, instead of moving away to avoid, they kick harder to get rid of the target so they can move freely.
Damage by photographer, so far from what I've seen, many photographers are quite experience, those who are not, proudly announce that she/he brings camera when you know they are doing AOW or unskilled, end up losing the camera to all my delight. Ignore my advise and eye rolling, well, I'll go back and retrieve the camera.
How many times I saw divers destroy almost all the sea feather just to squeeze out the squat lobster and take picture? How many times I saw how a diver pay so much attention to get good pictures and after they are done, they swim away and kick the poor seahorse with the coral 'accidentally?'
Numerous.
How many times I see divers stress out clown fish to get amusement? Kick or stir coral and bottom and touch for fun? Many.
I really agree that once a diver is armed with camera, they tend to get distracted and destructive as the result, but the most caring people that I know is also those who grow far more protective because they fall in love with the life through the shots they take.
My point is, the price of the camera or whatever financial related causes and solutions don't make any difference if the divers don't have the awareness.
I still hopeful that those taking camera for 'the cool of it' will give up or even all who become divers just for the cool will give up.