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Lots of stock photography sites are royalty-free, so this doesnt apply as long as you transfer the rights to the client when you're done designing with the images.
As for psd's, yeah, those things are precious, they hold secrets that give designers their edge in many cases, which is how we make our money. Why are we going to give that away? You purchased a web page or print design from us, and you made no mention of our psds.
Of course if the client did mention the psds up front, then negotiation would have to ensue, but just giving the files away to anyone is self-destructive.
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