Things that go into pricing artwork: Raw skill, years of experience and personal business expenses, regional currency and fluctuations, all rounded up into an hourly wage (in most cases).
Expecting artists to give out work for free is wrong. Complaining about an artist's prices without knowing WHY things are priced the way they are is also not a good look for content creators.
The market is vast. You can find an artist that fits your budget and specific requirements at any given time. Trying to brute force specific personal requirements on artists as a whole is straight up wrong. There are different types of services and TOS because artists are ALL different people. Not a monolith.
'Artists should do this or that'. Some will, some won't. The only thing that should be universally expected from artists is professionalism and the ability to hit deadlines. Everything else, from pricing, process to TOS is entirely dependent on the individual artist. And that should be respected.
The way you talk about artists publicly is also a reflection of you as a creator. It's important to respect the people who are helping you make your dreams come true. Keep that in mind. 💗