If you switch-off scrollbars, you are effectively fixing the frame size and anything inside it that doesn't fit will be clipped. Just remember that text changes in size from one user's machine to another depending on their platform, browser and personal preferences. Graphic images are always a predictable, absolute pixel size. If you put only graphics in frames, there is little chance of accidental overflow. If you put text in a frame, you can, at least, restrict its width using a table - so you only get a vertical scrollbar.
Frames offer several advantages to designers.
The basic concept allows some frames to remain static whilst others change. You might, for instance, want a common top 'banner' frame and a side navigational frame on every page and only one 'content' frame which changes. Providing that you get your 'frameset' right to start with, this is good from the user's point of view as it simplifies navigation and usability. Using frames also has the major advantage of allowing you to pass JavaScript variables from one page to another. The only other way to do this is to use cookies, but the general paranoia about infringement of privacy means that many people switch off the acceptance of cookies leaving your efforts high and dry.