Hi Roger,
I agree that there isn't a one size fits all answer. I make photographs now of family, children married and grand children. I do it for free.
However, at least here, organizations and some people mostly of a particular type, try to get folks, particularily artists to work free for them. They need to realize that some of us work, for me used to work, at making a living with this photography medium. I guess that it's the attitude that some embrace once they have a job with one of these organizations.
I may sound harsh but when I was a member of our TCPPA, after sitting down and trying to help, how many folks were struggling to get their business off the ground. It seems to me, at least from folks I have met, they are afraid, lack self confidence, sales skills to get interested potential clients to pay an amount that they should receive.
My mentor, once said to his wife, "i need to go see Joe." She replied, "you're goung to be nothing more than a cheap clone of Joe." He replied, when getting ready to drive to his studio, "I may be a clone of Joe but I won't be cheap!"
I'll get off my soap box for now. Thanks for reading my comments and I appreciate your thoughts Roger.