In the u.k, for me at least, this is such a muddy area between retailers and the bench worker.
The retailers opinion is generally the stone/stone’s fell out while the ring was in my hands so is my responsibility for it/them to be reset.
Before i take on a job I have to make the choice:
a) Do the job knowing i will possibly have to reset a few stones but at least i will make some money.
b) Tell them to order the correct size from the supplier where i make no money.
On high end rings I prefer the retailer to order the correct size from the supplier where possible.
On low end rings or second hand rings i’m happy to do the extra little bit of work at no extra charge.
On a quiet day in the workshop i’m better to make some money than none.