Sometimes there are situations, when you don't have direct FTP access on site, but you need to put images in your content. Let's say you have a client whose site needs to be repaired, as something does not work and needs to be fixed. Administration panel works, but the image manager/uploader does not work. Client gave you administration panel login, but can't find his site's FTP account details and client needs some text and images be published ASAP.

How to deal with?

Because you have at least administration panel login credentials, you can help your loosy client to publish some urgent articles with images.

Look at this image, it's embeded inline, and image file is not physically uploaded to this site: