Indie developer just need to contact the artist, explain his financial situation, show his project. In most cases, I make concessions, I do a price reduction.
But it's stupid to make a discount to everyone. I have customers who offer 1000$ for the model that I usually sell for 100$
You can describe many situations when there is a need to buy a model even having your own 3D artist at the firm.
But we deviated from the essence of the question. It's about honest actions, and not about inflated prices on the model.
That is why I vote for the introduction of price statistics.
Let it be optionally activated from the panel of each artist.
Whoever is willing to be honest will use this system.