Artists get hosed because they first do not treat their band/music like a business and incorporate themselves, hire tax accountants, legal counsel on retainer and build any truly artist driven labels.
The ``we just wanted to make music'' is a load of shit.
Ask Queen, RUSH, Pink Floyd, etc., about it.
They all control end-to-end their creative works.
If your music is your livelihood then start treating it like it is your own business.