Man, I really enjoy this discussion.
Here's my point of view and I've played for three seperate churches. The first one was in Los Angeles and I was the main musician until someone else entered the picture. During that time that I was the only one there, I was given a 'love offering' of 25 dollars. This was over a 2 month period of time. I wasn't that good, but still...music is music.
The second church was a little bigger and in Atlanta, Georgia. I was the full time musician there for six years and didn't get one dime at all. I never complained about it and really didn't see any reason to. I had two pastors (a husband and wife team) and the church could only pay the husband, not the wife. So, if they couldn't pay the wife, why on earth would I ask them for some money? However, it was funny that when someone else joined in, I was told that they were going to pay him. One of the reasons why I really didn't like the pay issue was that it changed things so much. For four years, I was good enough. When someone new entered the picture, I was instantly deemed as 'holding the church back' and 'getting in the way'. When the guy left (less than a month later), it was back to me being really good and everything. I now play for my parents church in a small town in Kansas.
My point is that I really haven't been paid at all since I've learned how to play the keyboard, organ, piano, drums, and trumpet. Despite that, my life is still fulfilled because of all of the benefits that I reaped by being in those churches. I love to play the keyboard so it doesn't bother me. What bothers me is when they make a very heavy demand on my gift and talent. I think that sometimes, pastors and ministers completely forget that musicians are people, not just hired help. They have lives, responsibilities, hurts, pains, dreams, and goals just like the people they are ministering to. One of the things that I love about my parents' church is the fact that they will pull me off the keyboard when they are praying for men or for a special need. They don't forget about me. To me, that's more important than money. But that's just me. I think that if someone does get paid to play for their church, it's great. Just as long as they are not exploited.