I’ve posted a few photo records taken by others on my iNat account, with credit given to the actual observer/photographer and with that person’s permission. Some were organisms I already had on my life list but a few were not. Although I encourage these folks to open their own iNat account, they aren’t interested. Since their records have some value (in my opinion) this is the only available option. I think it’s more important to get these records into iNat than any concern it might slightly bias my life list. A user of those records won’t care if it was my photo or someone else’s.