The way you describe it, I believe it will require a custom developed feature. If I understand correctly, you want something like shared files or image gallery, but rather than pulling from a single pooled folder, they would pull from individual user folders. So if you are a developer or can hire someone to do the work, you could clone those features and replace the file management sections with logic that behaves as the file manager does when the user is in a role with the permission "Roles than can browse and upload but only in a user specific folder". The specific user folders would be created under the feature main data folder, and the feature would gather the images/files from each of those subfolders for display. Items that originated in other users' folders would have to be locked down as well so they couldn't be changed or deleted by unauthorized users.
Jamie