I'm in two ways about this:

Yes the artist should get paid, but if it's a Paul McCartney song (for example) I'd have no moral problem in transcribing the whole bloody thing!

Lesser (paid) artists, more difficult.

I remember when I was learning the guitar as a teenager, and had big problems working out the chords without a book (there were no web sites then). It frustrated me, but I eventually learned enough to 'hear' and am now able to put together a reasonable arrangement (chord wise) of anything I like.

Wonder whether it may by a good thing for learners not to have the chords? Otherwise they won't foster a decent ear??

Just a thought...