It's okay

We all had to start somewhere.
Honestly, I'm still not sure what you're getting at. Are you saying that (for example) you write 50% of the book, send it for proofreading and the person wants to finish writing the other 50% and publish it on your behalf? If that's the case, why wouldn't you finish it yourself?
If you're saying that you write 50% and decide you don't want to finish it, but you still want to see it published, then you would hire a ghostwriter. In that case, you would pay them, not the other way around. I've never heard of anyone paying to do someone else's writing except in the case of copyright (for example, if I wanted to write a Harry Potter book, I'd have to pay JK Rowling a huge amount of money to get permission to use her characters. This is why some authors can be a bit touchy about fanfiction.) In that case, however, I'm not paying to publish JK Rowling's work; I'm paying her a flat fee because I want to use her characters and world to make money for myself, and so I'm compensating her for lost royalties.
If your work is 100% complete and your proofreader says, "Hey, I love this and I want to get it published!" then that's something that also isn't likely to happen. "I love this and
you should get it published!" is far more likely.
I have formatted stuff to publication standards in the past for a beta reader of mine, but that was partly as a thank you, partly because I know that particular reader's clueless about technology

"Format this for publication on Amazon as a favor," is fine. "Format this for publication on Amazon
and pay me X hundred dollars for letting you do it," isn't.
However, self-publishing (via Amazon Kindle etc) is 100% free, so there's no reason why you couldn't do it yourself. Formatting the book with chapter headings for Kindle can be slightly tricky, but there are plenty of tutorials to show you how to do it. Again, no one is going to pay you for the privilege of working for you. This goes both ways: if anyone says they'll publish your book for X dollars, don't fall for it, or at least do your research
very carefully and ask a lot of questions beforehand. Unfortunately, most of us make a financial loss on our first book, since we're not famous enough to pull in readers and we still have to pay cover designers

("You have to pay me to let you pay a sham publishing house thousands?" Yeah...I can't see many people going for that

)
If a publishing house charges you thousands to publish, or if it charges a "reading" or "editing" fee, run
