As the OP said, you can always PAY a DM/guide. I did this for my first dive out of NC. Turned out I didn't need a guide, but wanted to make sure I had someone experienced with local conditions. I also have insta-buddy-phobia. On that first dive I met another diver I was comfortable with and we dove the second dive that day and a second day. You can always find someone to guide you if you are willing to pay.
Most people do this either through paying for the charter or tipping, even if they are just getting the free charters they are getting paid by the customer in some way.