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Adobe also offers an up-front payment, but I think it just covers your sales upto that amount (you only get more money if the royalties from sales surpass that amount).
But in any case, you're right about the money aspect: there's almost none of it in retail, and to make a living (and I don't mean being a hermit in a barrel) you have to do many years of very high-quality custom work. And even then, you can never catch the Concorde. So, in the end, it's really a labor of love. And I mean that in the best possible way. I have bills too, but I always try to remember that they're evil.
BTW, Stephen, is the Bitstream deal perpetual? If so, $2000 is way too low, unless the royalties are pretty high.