Businesses cost money.
Somebody must pay the bills, profit or no profit. The only 'insurance' they have is to play people's ignorance against them and let the fools keep themselves out of the Industry on any ruse that will work. If the record is one of those out of eight that actually sells any copies at all, the General Licenser usually just carries the load on their own. It should be becoming apparent there are no free rides in Recorded Music regardless of myths to the contrary. All businesses must buy goods, services and expertise just to stay in business, and those in Recorded Music are no different.