Good points.
I think that a lot of people do think that the artist has resources that really don't exist IE, bank accounts, investment accounts, royalty streams etc. The perception might be that since they are well known, have records and are praised for their music then they must be wealthy enough. That really isn't true. Many of Europe's biggest bands, After Forever, Within Temptation, Nightwish, Sonata Arctica, Threshold all still have day jobs. Being a professional musician/rock star isn't what it used to be.
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