You don't have the foggiest idea what you're talking about.
1st of all - major labels are now getting major chunks of touring income, including previously off-limit areas such as merchandise.
2nd - there aren't enough small venues in the world to support most indie bands full time. Unless you're selling a ton of merch at every show (every show), it's tough enough to break even on a tour, let alone make money, let ALONE make a living wage.
3rd - Every artist has a different deal with their label. And the example you gave is in no way a "representative" split. First of all, Apple takes 30%, all the time. Songwriters get a cut and artists get a cut. I've never seen a deal where the artist gets less than 12%, so that's already above your estimate. If you're also the songwriter, you get an additional 8 cents (actually, split between publisher + songwriter, but many artists are now self-publishing for that reason). So that's potentially 20 cents, and that's with a low-end deal. Artist shares of up to 18-20% are not unheard of.
And also note that the artists cut comes out before distribution costs - so before Apple's 30% cut.
