Colin, if I may say so, you're trying to rationalise what are essentially emotional value judgements. At the same time you're applying your own value judgements to others by using emotive terms like "lazy", "waste" and "crazy".
It's not entirely rational - you might say it's totally irrational - but you simply can't (usefully) say that people are "right" or "wrong" in their likes and dislikes. If I like coffee and you like tea: does that make me wrong? I like to pay for upgrades as and when I choose, you like a monthly subscription. Does that make me wrong?
We can't even agree on a valid basis of comparing the cost, because we are each making different decisions about how to factor costs in ways that may be right for us individually, even if they are different (though I still think you're wrong
). These aren't business decisions, you can't apply some absolute accountants' logic.
Ultimately, neither your logic nor mine matters a jot. If customers don't like something, and they've a choice, they won't buy it. They don't have to justify their likes and dislikes.