" what Lloyd says is right, music made for payment is deep at the heart of what he defines as 'folk song'."
That is not Bert's point at all
Bert's origins drew largely from the writings of the musicologists who described the ritual and function making of our earliest songs
If you look at collections of minstrel songs you will find that they don't bear comarison with the stripped down, economic folk compostions.
The first reports of traditional singing wer by the Venerable Bede (672-735) who described cattlemen passing around a harp and singing ribald songs
This (I'm not getting involved...") is shadow boxing Pseau - you obviously have decided that commercialism was the motivating force, despite what our old singers said.
There is no evidence that traditional singers either sand or made songs for money - that is a very twentieth (21st even)century view of the tradition
Ji