Actually, this bit about photos has been explored pretty heavily, including and up to the Supreme Court.
If you were on public property when you took the photo you could do with it what you like, including all commercial uses, purposes, etc. On the other hand, you could very well expect to get sued for it, and unless you had deep pockets or garnered the support of some group or another you'd probably get pasted - law or not.
A great example of this is the Rock & Roll Hall of Fame & Museum. Fancy building, all kinds of copyrights on the structure, etc. A local shooter starts to make a pretty lucrative business selling photos, posters, post cards, etc. His photos were better than the "official" photos, so his swag sold better. The Rock Hall did not like this, so they sued - never mind that all of his photos were from public property. He won. They appealed. The PPA helped him out with legal, and he won again. Repeat aud naseum.
Interestingly, this even applies if it is a recognizable photo of you. The NY Times did a series on "Young Urban Black Gays" or something similar. A stringer went out and got a shot of a black guy in a suit on the city streets. They put his photo on the cover of their magazine ssection under the headline. The guy did not like it much, nor did his wife. Too bad - unless they NYT had said "This guy Robert Smith in the photo is a gay black man" or something to that effect they could do as they pleased with the photo. Legally correct, but rather rude.
On the other hand, if you are not on public property and take the photo but have permission - even if you are working an assignment for the owner, subject, whatever - and the permission is not an explicit work for hire agreement that includes transfer of rights to the subject, owner, whatever then the shooter still owns it. Not only can the shooter make whatever private, public, commercial, or whatever use of the photo they wish, but if you copy it - even if it is a picture of you - you are liable for copyright infringement. Ever notice the © on HS graduation photos?