I understand what you are saying but it's a bit more complex than that. Adjusting settings isn't going to help you as much as you'd like them to. There aren't many settings on this phone that will be able to whole lot. You can try using one of the "scene" presets to match up with what kind of picture you're trying to take but for the most part just using the automatic setting will be what most people will be using. Other than that the Bionic doesn't really have any settings compared to a real hand held digital camera. It's really just meant as a handy "better than nothing" type of camera that's there when you need it in a pinch. That's pretty much true for any cell phone camera.
The two best and most simple tips I can give to you are:
1. Make sure your camera is very stable when taking a picture in a low light environment. All pictures taken in a dark environment without a flash are going to suck. The best you can do is to make them suck a little bit less.
2. Make sure when you take a picture that your light source is not in front of you. Ideally you want it behind you. For example if you're at the beach and you're taking a picture of some friends then have them move so that the sun is behind you and is facing them. Otherwise if it's the other way around the sunlight will overpower the picture with it's brightness and then darken your friends and you'll loose lots of detail. This also holds true when you're indoors and you've got one lamp lighting the room. Experiment for yourself and you'll get a much better idea of what I'm talking about. Taking good pictures is all about practice and gaining experience to find out what works and what doesn't.
Having said that another tip I can give to you is to lower your expectations when it comes to the Bionics camera

It's far from a quality hand held digital camera but with the proper lighting and shooting techniques it can get close at times.
Hope this helps