What about Open Source content? The picture I used in this Flash is off of Wikipedia, but the licensing agreement (which i just updated my Flash to meet) says:
The copyright holder of this file, LocalFitness, allows anyone to use it for any purpose, provided that the copyright holder is properly attributed. Redistribution, derivative work, commercial use, and all other use is permitted.
I use AP music in just about every Flash I make now, and I've even got a friend in the Art Portal who helps me make backgrounds and stuff. Finding pictures of bodybuilders is an issue, though. :)
So, is that kind of use cool?