The headline bank balance is the most misleading number in a music business.
A £50,000 tour lands. The client sees £50,000. That number is not theirs to spend. Of it, roughly £10,000 belongs to HMRC as a obligation (if registered), a further £15,000 will be owed in income or corporation tax, and £10,000 is the manager's commission. The balance available for the artist after those first claims is closer to £15,000.
None of this is visible in the raw bank balance. The money sits there, undifferentiated, until a quarter when the client has spent it, and then the tax bill arrives and there is nothing left to pay it with.
This is not a cash problem. It is a discipline problem. The adviser's job is to make the discipline structural: ring-fence those claims the moment income lands, before any other decision is made.