This is really an interesting read. It covers the 3 major issues (at least in India) directly or indirectly - less usage of credit card, the internet infrastructure issues and the fair usage policy. All three of them are really hard problems as they cost a lot of money to scale. YouTube started facing similar issues in regards to infrastructure and fair usage policy long time ago. The credit card issue cannot be solved soon but if Netflix starts accepting Debit cards or partners with PayTm and other payment systems, it will be better. The internet infrastructure is lacking both in terms of speed as well as outreach. This problem will definitely take a lot of time to be fixed. Facebook, Flipkart and others are trying new ways to reach more people with Free Basics, Airtel Zero, etc. The tricky one is fair usage policy. If the service providers are to be Net Neutral, then increasing the data cap for fair usage policy or removing it altogether would be hard for them.