I think a big part of the problem is that most people just can't afford each other.

Sure, you can do "paid in kind" (which has it's own complexities) but mainly there's so many overheads in life, as well as middlemen extorting out their cut that hiring a creative is cripplingly expensive.

It's something only affordable to either those with a lot of disposable income, or those who are planning to make a hefty profit from it (and won't be worrying about money in the meantime either).

Even in times when I was making the same income as a plumber, the idea of hiring one was deeply financially intimidating. Even an independent one. The way it's stacked, you can only afford to hire people in a lower class/caste/tax-bracket than yourself.