Gemini, you'd be surprised how many different ways sites can be set up.
Many people host html files from one server, and images from another. The .jpg files will use the most bandwidth, so that machine can be capped. The .html pages can be pulled from a separate, uncapped machine and be running fast all the time. Sometimes the thumbs will be on the same server. That way the gallery pulls up fast, and saves the webmaster money.
As CoreDump pointed out, this can obviously create some issues as pictures load slow, etc., and some TGPs might not aprove. But it can increase sales, and helps deter people from free content. So you have to find that line that you want to walk, don't want to be too extreme :-)
Some people put .html pages and banners on one server, and pics on another. Many people successfully hosting movies uses this same technique, keeping the movies on a capped machine, to keep sites fast and costs under control. Freehosts often have a super fast banner server so they come up before everything else on that page. Open your mind and see if you can find some other uses for this trick :-)
As companies grow, the options that are available to make them more productive increase as well. Talk to your host, any of them that wants your business will most likely help you make more money from your traffic. They see it all, and usually can help you get the most out of your service.
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