The problem is that the average working class person doesn't have a lot of time where they also have energy and don't have to do chores. In that state, most people aren't receptive for learning and enjoying culture. And it's very understandable.

No, (though depends on your definition of art) but there's a reason that public buildings (Churches, for instance) were often the best decorated with murals, frescoes, and statues.

Also within local communities there would be musicians and artisans who were known for their work.

That said, art did become more privatised once the 17th century rolled around. Obviously varied by geographic regions, etc. (e.g. Artist items (amongst other items of worth) were deliberately shared out by many American Indian groups in potlatches as acts of redistribution.)