Donald
not every commercial / assignment shooter could afford the things you have suggested were commonplace for everyone to most certainly afford.
most all the people I assisted when I was starting out certainly could not afford all those things, except the one who was the son of royalty,
he could afford a 3 Hasselhoff bodies about 5 lenses and 6 backs (that cost 900$ each). every 6 months lenses and bodies and back were sent to hassy
to be worked on, which was like the helicopter rental priced into the cost of doing business. he and his wife ate a baked potato for dinner whenever I was there, and he
so who knows maybe he couldn't afford it and was playing the fake it till you make it game... like they say, one way to be a rich photographer is to be rich
before one started. its a nice fantasy to think that everyone could afford top end gear a sweet studio and 2 assistants, its probably tv that propagated these myths.
This is from my experience a half-dozen years ago: It all depends, whether the assignment is editorial or advertising. Advertising clients usually paid much higher fees and covered all expenses, crew, talent, food, transportation and rental fees for equipment. Many photographers would (and still do) charge equipment and studio rental fees, even when they already had a fullty-equipped studio and are not renting gear. Some would only charge for extra gear or if they needed a larger space than what the had. Editorial really depended on the assignment and the budget, how much the magazine could get for free (like location and talent), but was (and probably still is unless you're a star photographer) much, much less than what was paid for a national print ad. Small clients, advertising locally, with limited budgets paid very little and had to make do with much less. And although some photographers had a lot of money, they commonly charged fees commensurate with their experience, quality and demand for their work, and how well-known they were. Unless it was a favor for and existing client or trying to get a new, lucrative client or fancy business, they never gave anything away or reduced their fees by much. In the 90's, cost consultants became more common, hired by clients to scrutinize estimates and final invoices to make sure fees and charges were in line with the current market.
As far as gear was concerned, it was pretty much expected that the photographer would be equipped with high-end pro cameras, lenses and lighting equipment. And that nothing would fail during a shoot--most would have back-ups for everything that could fail.