In today's New York Times appears a thorough expose of the state of the income of independent artists because of the upsurge of free and almost free downloads. I am heartened that the number of people who stream my CDs on-line grows all the time, but discouraged that it takes longer and longer to reap a royalties check from the distributor (cdbaby).
Us indies produced the CDs ourselves at some cost and we have cartons of unsold inventory awaiting a far off market of antique CD collectors to pay top dollar for them.
In the meantime we collect either $0.000 or, on average, $0.006 for each streamed track.
My occasional remarks on the cost of "free" apply here as well.
Oh, by the way, you can figure out for yourself how the business works: www.cdbaby.com or just Google my name. You can also purchase actual CDs at www.tonalrefraction.net.