Any Android Phone with greater than 2 GB of internal memory has it patritioned into two separate areas. One is the system partition where apps and user information is stored, the other is for data and is mounted at /sdcard. That, to the Android OS is the "sdcard" even though it's not actually a physical card. It is also the location where user data is placed by default.
The confusion is calling the internal data partition as "sdcard" which is a hold over from the days when phones did not have much internal memory. Trust me, /sdcard is the sd card location whether it is removable or not.
If that were true, as it pertains to the Atrix 2, then I should be able to remove my physical sdcard and still be able to take pictures, screenshots, etc., since /mnt/sdcard is not the actual physical sdcard, right? That's not possible. Unmount your sdcard, remove it, whichever you choose and try to take a picture and let me know how that works out for you (assuming you have an Atrix 2). With this phone you don't even have the option of saving to internal storage or to the sdcard because it's stored to the physical sdcard by default and we do not have access to the internal storage at all except for apps downloaded/installed on the phone. Technically we have 8gb of internal storage, but 4gb of that is for the OS, Webtop and pre-loaded apps and this partition is non-accessible to us. The other 4gb partition is available to us in the form I stated above, for apps downloaded/installed on the phone. Any media added to this phone does not get stored on either of those partitions as that is the internal storage and is non-accessible.
So any pictures, video, audio, or other non-app files that get stored on this phone are on the physical sdcard. Most other Android phones are as you say, the Atrix 2 is not one of them. But if you don't believe me, take your sdcard out of your phone, plug your phone in to your computer and proceed to find all your pics/videos/songs/files you have saved to it. And while you're at it, take a few pics and screenshots too. Good luck
If you don't have an Atrix 2 then you probably shouldn't be correcting me seeing as how I do and know how it works, with all due respect. This is not a pissing contest on my part, i'm just making sure the correct info is being put out since you seem to under the wrong impression of how this phones file system works. The misinformation could cause alot of headaches to those to don't know any better.