Those IG crops are not standard real camera crops. Sometimes an image is great and doesn’t work well in the IG crops.

The reason they charge now js because they figured out that noobies are willing to pay in order to create a portfolio of work that is nothing like what they can actually create in the real world.

The photographer who made an image should be the one tagged. I have always heard bad experiences from friends that participated in styled shoots.

I have replacement cost coverage with CNA Insurance

Are you uploading full resolution images? If you do, it compresses the hell out of it. Upload like 2000px on the long dimension.