Baz mate its not that hard to do up a contract. I'd rather be paying off a house together then renting some place even while I was on tour. If/when the band dissolves they've got themselves a nice little asset that has improved in value as opposed to spending their entire earnings from the band on something else that probably depreciated. I think you are grossly underestimating the amount of money some of these bands can make. Hell, if their guarantee was like 5 large a night (which is purely speculatory, it may very well be much less/more) that would probably pay the mortgage for 2 months and thats just one show out of 200-250 that they play a year. Its ok, I understand, you're a bass player.