For portrait work I recommend at least an 85mm 1.4.
But lighting equipment is very important if you want to do indoor shoots. You need multiple lights, light stands, and backdrops.
Maybe start out with a reflector and do outdoor shoots first. Honestly, I like outdoor shoots more. If you’re doing Instagram then that’s the path.
Businesses should be more clear with customers but ultimately it’s up to the customers to ask questions if they don’t know.
For example if someone goes into a restaurant and start ordering off pictures in the window and didn’t see any pricing. Then complain about pricing when the bill arrived, who’s fault is it?
There’s multiple opportunities to ask as well.