It's only insulting if you are naive enough to think they meant to insult you.
The vast majority of people regard a camera as a little magic box that takes pictures. They put it in 'auto' and let the camera figure everything out. The sophisticated ones use the little icons of the mountain and the guy running.
To these people, better camera = better photo.
When these people tell you that your camera takes nice photos they are at worst just displaying their ignorance in the control that the photographer has.
+1 to the above. It's been my experience that the average non-photographer means it as a compliment - they don't realize the implications of what they're saying. I've tried the witty little replies and they inevitably look confused and wonder why you took offense to their compliment or seemed irritated by it. IMO, trying to explain it to them comes off as elitist and condescending, so I don't bother - I just say "thanks" and let it go at that.





