You'll need to be a little more specific.  Drag and drop is available in
both the designer (when creating a form), and in the editor (when filling
out a form).  Are you seeing behavior that differs from that?  If so, what
are you trying to accomplish?

Adding images is allowed in Rich Text boxes.  Adding them in the Editor is
trivial.  Adding them as part of the default data when you open the form is
a little trickier but still doable.  Extract your form files in the Designer
(File -> Extract form files...).  Close InfoPath and open the extracted form
files folder.  Open template.xml and add your picture to the rich text box.
Save the file, and you should be set!

--josh bertsch