I think a couple of people may have already said this, but it depends on how you define Commercial. The original question seems to involve just a picture that appears on a page with ads. oh my!! If that's the case, then I'm changing my cc license to allow commercial use. Ridiculous. Was actually reading an article claiming its BEST to allow commercial use... can't seem to find it now.
Looks like the NC really is too restrictive if you WANT people to use your stuff.