Why is that cost so different than the normal cost we pay for things (cash money)? Yes, things we value have costs. It is always a sacrifice to go without that thing, but if we want to AVOID having to go without it, we have to pay something.
"I can't believe you are making me pay this cell phone bill! I have no choice but to use it, and you are CHARGING ME MONEY for it?! This is outrageous!"
I mean, there are things we need even more that we have to pay for - food, shelter, etc. In order to get something from someone else, you have to give them something in return that they value. That is just how the world works.