In order for someone to receive online donations do they have to setup a fundraising page, or is there a general donation page?
Users are welcome to use the default title and default support letter and add no picture, but the result will not be as engaging to potential donors.
(Alternatively, you can let everyone use the "group fundraising link" at the bottom of the "team $ page," but incoming gifts will not be segmented by team member and everything will dump into one generic sub account for the trip. )