Being a designer, I would say it would be based on the price.  ALOT of people are cheap in FL so they want rock-bottom prices.  If this is the case, they get high res. (300 dpi) flattened files.  If they are willing to pay regular rates, then I don't have a problem handing over the psd's.  Ultimately, it will come down to the agreement when contracted (rate and files supplied). Just my 
