Image viewer software is needed because Microsoft Paint simply cannot view the image in it's full size.
I'm having some trouble here determining if this is for real or a troll. Microsoft Paint has always been essentially just a demo program not intended for any serious task. I mean, sure, it's probably enough for some people; NotePad is also probably more word processor than a fair number of people really need, but generally speaking...
Are you talking high end cameras? Because I have had digital cameras since the beginning. I remember my mid 90's Sony with no removeable storage and a serial cable link had pictures of VGA resolution. As they got better they were pretty on bar if not below the support of monitors.
Early digital cameras used similar sensors to the first generation of CCD camcorders, so sure, their resolutions started out pretty much on par with NTSC/PAL television. Which was also apropos because once you take a picture you need to store it some kind of memory; an uncompressed full color 640x480 photo takes almost a megabyte of RAM to hold in a framebuffer, and even when compressed with to a very lousy, lossy level of quality you're not going to be able to fit more than a handful on the one or two MB of EEPROM/Flash those early cameras had. Considering your average computer monitor was somewhere in the 800x600 -> 1024x768 ballpark by the mid-90's, yeah, digital cameras were a little below the typical monitor resolution for a while...
But *real* digital cameras broke this threshold a *long* time ago? (Not talking about things like the front-facing cameras in cell phones and whatnot, which are still running at "roughly monitor-level" resolution. A "relatively cheap" Canon point-and-shoot like an A50 had a 1.3 Megapixel sensor, which makes it equivalent to a 1280x960 monitor, which was "pretty good" for the Windows 98 era; by 2004
a similar pocket camera rocked a 4 megapixel sensor. 2004 was a little before we all went widescreen on our computer monitors, so to put this in perspective a 1600x1200 monitor, about the highest common resolution 4x3 monitor, is only a hair over two megapixels.
By 2008 we're talking eight megapixels for the same product category. This is about as many pixels as a 4K monitor or TV set, but those weren't exactly common in 2008. This kind of camera is of course almost dead because of how good high-end cell phones have gotten, but FWIW
2017's model was 20 megapixels. "Monitors" with resolutions higher than this do exist, but mortals can't afford them. (We are talking about IMAX digital projectors here.) And these are pocket point-and-shoot cameras, not high-end models.
TL;DR, to have a camera with a resolution lower than your monitor you've had to work pretty hard finding it for a while now.