Paul is right on this one. There is an unsigned band in Wisconsin (
downface) that I'm fond of. Twice I've sent checks to the drummer for CDs that they put out themselves. On the 2nd disc, the band signed the booklet and the drummer included a handwritten note thanking me for continued support. Boy, do I hope they get famous now.
So don't think it odd for one of the band members to be in charge of finances, like Paul says, when they're unsigned.
BTW, I think I actually found this band using Napster... oh so long ago...