OWN your money

I read an article that stated:

<<" New Record Deal Advances Are Soaring, If You’re A Hip Hop Artist
Of course what many artists coming into a new deal don’t grasp is the fact
that the money is an advance against royalties that has to be paid back.

It’s supposed to pay for studio time, music videos and tour support, and not
lavish lifestyles. The label is the bank that gives you the credit card, but you
will get a bill that needs to be paid at some point.">>

MY RESPONSE:

WHY get a Record deal loan that you have to pay back, WHY try to make a dollar out of 15 cents ? Instead work as a TEAM of Independents and OWN your MONEY $$