I think the photographer was really lucky that day.
He brought with his camera when he was going to take a bath.
He were surprised by a man sitting on an elephant. He got scared and tried to run away, but he stopped when he saw the beatiful lady swimming under water. He grabbed his cheap underwater camera and shot some images.
When he got up from the water he found out that the beatiful girl were a chopper. So the problem here isnt the photographer, the girl on the photo did the chopping, on her laptop, on the beach.....