Found this explanation of things. seems like you can add friends so their bands will automagically be added to the memory maker account and you can add photopasses in as well. CRISIS AVERTED...I think
Memory Maker
Disney’s Memory Maker provides guests with digital copies of every photo linked to their My Disney Experience account. The photos are available to download online. Guests using Memory Maker will receive access to photos taken throughout the parks by PhotoPass photographers, ride photos, and photos taken at dinner shows or character meals. Guests can use their MagicBand, park ticket, an RFID-enabled Memory Maker card, or the regular PhotoPass cards to add photos to the account. Note that you are not required to stay at a Disney resort or have MagicBands to use Memory Maker. There are, however, some features of Memory Maker that can only be unlocked with MagicBands (more below).
The Memory Maker entitlement can only be linked to one individual’s My Disney Experience account. The entitlement holder can be changed to someone else only before any photos have been downloaded. This person is the only one that can download the photos, but once the photos have been downloaded they are easily shared with other members of your group. If the other guests in your group are linked as members of the Memory Maker holder’s party, they can also take part in Memory Maker by using their MagicBands or tickets. Guests in a separate My Disney Experience account can be added to the entitlement holder’s account as friends, and can thus add and share photos for the entitlement holder’s Memory Maker. For guests that are using MagicBands, the bands are now using long-range technology for ride photos to automatically associate the guest’s photos with their account. Photos should be available within an hour of being taken. This is ONLY available for guests with MagicBands, not with RFID-enabled plastic cards. To be on the safe side, guests may want to write down/take a photo of their photo’s number when exiting the ride. For guests using RFID-enabled card tickets, the entitlement holder must visit the ride’s photo center with the photo number within 24 hours of the photo being taken in order to link it to the account.