I recently found this out after joining a local amateur orchestra. The conductor gets paid but the musicians need to pay for the space and insurance. It wasn't much, but I couldn't do it cause of my background (I used to work as a professional musician).

About monetizing music, there are some forms of music that aren't easily monetized. Orchestras tend to have more band members than the audience. Free jazz is not very popular unless you have already made a name for yourself. There are heaps of experimental genres tgat practically have no way to make money. You might get lucky by getting your song in a movie and collect royalties, but apart from that it is very hard.

Making art for art sake needs a commission, grant or just a rich person that loves the work.