By GLENN GAMBOA and HALELUYA HADERO, AP Business Writers Naia Kete, like so many musicians, had her life turned upside down by the COVID-19 pandemic. Almost overnight, Kete's busy schedule of concerts as a solo artist and with her reggae band Say Real was canceled, eliminating her primary source of income. So when she was approached by Artists at Work, a new initiative that puts artists on a payroll