Off shore most crew contribute to the costs. Nothing being said about a commercial enterprise. Up to you how far you want to take it, if you don't need any help with the costs then there are hundreds that will "crew" for you. Big question for you is do you want these folks on your boat? I found that those who contributed something were much better crew members. I don't need anybody to help finance my dream either, but for all the hassles with having crew on board, a paying crew member is better.
If your heading offshore then a whole new set of rules apply, mostly your own.
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"Your dreams minus your doubts equals your net worth"
Life is a short journey, filled with emptiness and pain. Get all the sailing and booty you can.