He's saying the photographer's a cowboy, not the OP. A contract is more for the business's protection than anything else so to not have one is a bit crazy.
Not the OP!
The photographer is a professional, thus should act in a professional manner. Contract, clear terms of agreement with the client etc.
I know you didn't mean the OP.
If I didn't make it clear, an "uneducated" client may not know what to expect from a pro photographer and what they can or can't do with digital wedding photos at the end unless they are aware of potential pitfalls. Not that it's necesarily their fault.
And a cowboy photographer may not bring up the issue of a contract, scope of works or exact deliverables, knowing full well he/she can con the client.