“All winter and spring, people in the independent-film business have been murmuring politely behind their hands and pretending not to see the 800-pound walrus in the corner of the room: The indie industry is undergoing a sudden and largely unexpected meltdown. It hasn’t turned out to be a sensible investment. Mark Gill calculates the odds of losing all your money on an independent film at 99.95 percent.” On the other hand…