Paying for sample loans

I've been working on a big job at the moment- an ad campaign so limited credits to be given.

I've never personally experienced new designers charging to borrow samples before, but have had two relatively new designers try to charge me per day per garment. Budgets being what they are and a three day shoot this was no way possible for me, but I was also really surprised as I haven't come across this before.

I obviously told them there was no budget for this and they both dropped their fees but I'm just wondering if other designers do this and how on earth does anyone afford this type of shoot. I know its a case of they probably feel the shoot isnt that beneficial to the designers however this sounds steep to me for small new designers.

I know established big name designers charge 10% of the product cost per day, but never from smaller designers. Is this becoming more common and does anyone actually pay this when budgets are being cut so drastically?