20 years is a long, looooong time in the business, even if the majority is from a production end...
There is a line in the movie "WATERBOY" (I know, a deep movie) where Coach Kline asks Bobby Bouche " You've waterboyed for 18 years, didn't you occasionally watch the game?"
You are using generalities that may not be totally accurate or may not apply to this forum. 99% of the people here are actually more production than designers. Most are not schooled designers, a few are really bad at design. Myself, I come from a production end... I used to be a frustrated production designer who really wanted to be a designer... not all production designers are frustrated artist.
I agree with you, you do not have to be artistic to make it in the business, in fact, you need to be a better business person... some people make a killing on crappy coro signs and shiny printed 4 color stuff. I can't... but I kinda don't want to either. A good production person is as good as gold. But you had to have picked up something along the way. My business is based on sign shops, architects and designers not being very good "designers"
I'm not going to beat this topic up as it's been done ad nauseum (and I don't particular feel like being called something today)
ISign is correct this is a good topic all on it's own...
Maybe an "artist" could answer the next part for me -
If someone hires you to create "original" artwork for them and you can't seem to give them exactly what they want - when do you call it quits? How do you get compensation for what you've done up to that point? Do you request a down payment? Do you get paid for an idea - without actually producing finished artwork. Any takers?
First off, take out the word "artist" and replace it with "business person"
There are a few ways of going about this... most sign shops design for free to sell the sign... the sign is the product to them. Many here try to get a down payment before, but in the real world, most do not.
In order to give the client what they want, I start with a creative brief and a contract... the creative brief is a protection to both parties. A creative brief is a questionnaire to get some form of visual language or a target for the designer to hit. If the client strays from the creative brief, then the client wasted your time, you charge them with no hesitation. Most graphic designers start with a contract... either hourly or lump sum. They get a down payment, and will get paid for their time. A design contract should have a "kill fee" so if the mix is not right, then a client or designer has an out. if you as a designer can not fulfill the design requirements, maybe you do give the down payment back because that's good business, but if you followed the brief, then it's good business that you do not allow people to window shop or take advantage of you simply because they can not make up their mind....
3 good books on the business of design I highly recommend.
"Talent Is Not Enough: Business Secrets For Designers" by Shel Perkin
"Graphic Artist's Guild Handbook of Pricing and Ethical Guidelines" by Graphic Artists Guild
"The Creative Business Guide to Running a Graphic Design Business" by Cameron S. Foote