MasterCard - we still call them Access, to be honest - asked M Ward if they could use one of his tunes on an advert.
Their offer was declined.
So Mastercard went off and made a carbon copy. Ward, of course, isn't happy:
Mastercard was denied permission by M. Ward to use his version of Daniel Johnston's "TO GO HOME" - so Mastercard found some anonymous musicians to re-record the song. Neither M. Ward nor the musicians that appeared on his version have any involvement in this recording or the commercial.
You can't put a price on it, can you?
Oddly, Mastercard happily blocked payments going to AllofMP3.com because it respects artist's rights. Sometimes.