Financial Risk:

Independent contractors like most club musicians incur time costs and hard expenses when preparing for a performance.  The time cost includes promotion, travel and two sets of load in/load out and setup/teardown before a single note is sounded, promotional expenses, instrument and equipment repair and maintenance, and so on. In other words, it costs both money and time to make music, but, under the current model, musicians’ time and hard costs are dismissed as those necessary to pursue a hobby.