Does it have to be an either/or?

I've played keyboard/piano/vocals for church and never minded not accepting a dime. For me, it's a chance to give back to everyone in the gathering. Of course - I tend to play at the churches just starting out as opposed to an established 100+ year congregation. If churches want to pay, great. If a church doesn't have the funds to pay/believes it's an act of service, great. No one is forcing one into playing there outside that individual's desire.