QC, being a non-musician for 60 years, I know how people think relative to musicians. They think that you can just automatically play any song because that is what they see you doing. They think you can pick up anyone singing any song by playing a few notes. They as a rule don't know and can't imagine that a polished musician has to spend hours practicing each week. They understand choir practice, but they think that the musician already has the knowledge and is just teaching the choir. They don't know you spent all week listening to Cd's and learning the songs before you came to choir rehearsal. If you really listen to the people, you will hear some of them say," All he does is come to choir rehearsal and show up for two hours on Sunday". Based on that, they are given to think the musician is overpaid, or at worst, should not be paid. (the smaller the church, the more that thought prevails)
Now there are musicians that are able to automatically play any song, but that is not most of us. Most of us have to prepare and constantly hone our skills. I know that I spend more time working at home than at
choir rehearsal(getting songs together and learning new ones as necessary and practicing overall).
I don't think (since I now know what is involved)that a person should feel at all guilty if he/she thinks that he should be compensated and that if not another location should be considered. Of course, if the money is not there, that is another matter.
You would just have to know why they stopped paying you. The way that the money fit into your personal financial picture would also be a factor. It would be hard to give an uncosidered yes or no. I probably would continue to play in my current situation, but I am not sure.