Yup, unicorns abound.
Sorry, scratch that.
Al,
I'm here to share and help (and the record would prove that), but there's only a fine line between "generous" sharing and rude abuse of good will. If I (or anyone) have put in a lot of time and work into preparing something (not to mention years of learning things the hard way), I don't necessarily want to give it away as a freebie but I might be open to negotiating a fair compensation for my efforts, should anyone be interested. The fact that someone didn't plan or budget properly and "doesn't have money" is not particularly moving as far as I'm concerned. Sorry if that's too harsh on anyone.
To me the key word is "fair".