You're using too broad a brush. People pay for concert tickets and sporting events. In fact, they pay a steep price.Add to that: There are too many commercials. What about public radio? Too much begging for money. What about free streaming? They interrupt the music with commercials.
So people want it for free, and they don't want any commercials or pitches for money or subscription fees.
Oh yes, they also want their own personalized playlists. For free. No ads, no nothing.
Musicians deserve to be paid for their work. The same for journalists who create worthwhile content. The problem is that EVERYONE now thinks they are "Content Creators". The Internet is flooded with garbage videos, podcasts, etc... I find the content on Sirius Radio to be OK, but the sound quality sucks. It's flat and lifeless. Commercial Radio is a wasteland. It's free, but fewer people care every year...