Let me turn this around so the mirror is on you. Take YOUR job... The one that puts food on your family's table. Ask yourself those same questions in context to your job. I can appreciate the fact that folks love to try and pin the badge of "It's your responsibility" onto all working musicians when it comes to playing for the Lord. My question is that a plumber must have tools, as does an electrician, a welder, a carpenter, what is different about music?. All jobs require tools of the trade. Your arguement is flawed because you are trying to paint someone in the corner with a weak premise.
We practice, go to school, listen to music, and take lessons in order to be the BEST that we CAN be. This is primarily so we can be hireable. You would not hire a mechanic that had no training. You would not hire a plumber that had no credentials or idea of what he was doing. Likewise, a working musician is doing all this work for the end outcome... To get hired... Now whether or not you accept payment is up to you. It is so easy to paint with broad strokes on the woes of asking for $$, but the reality of it is, the church musician is no different than any other member of the staff an should be treated as thus.
I DISAGREE, however with the statement of musicians being more important the the preacher. The MESSAGE is ALWAYS the most important thing. You do not HAVE to have music in your services, but you must have a good pastor to keep the church on the path.
W
I'll answer your query in general. My job doesn't and won't pay for my student loans.

I'm a teacher; I went to school to be a teacher. I have bills from that endeavor that
I must pay back. I don't expect my employer to do so.
I went to school with the expectation of being hired as a teacher, and THAT is how I am paid (or compensated, if you will) for my time and efforts
BEFORE I received my job.
The previous poster sounded as if they expected to be reimbursed for the money that they put out for their ability and desire to become a church musician. That doesn't make sense.
Now, if said individual wants to improve upon their craft, as they should, then
THEY are to purchase the CDs (in my case, it would be various supplies),
THEY are to pay for their lessons (in my case, that would be the conferences that I attend to improve upon my teaching skills), etc.
Let us
NOT assume that because I'm
NOT a church musician that I don't understand the undertaking.
In addition, if we're going to try to draw a parallel between professions, let's talk about how under paid teachers are, since you decided to try and come at
MY neck about
MY job.

BTW, I
AM glad that we agree about what's important in church. That's a good place to start.
