There are some folks trying to build an alternative that is better for musicians. https://resonate.is/
Last time I checked it was still pretty niche but the idea (graduated pricing to stream to own) is solid.
It doesn't matter if it can save you money in the long run. Remember, we're dealing with the masses here- the same lowest common denominator that caused A&W's 1/3lb hamburger to fail because people thought it was smaller than McDonald's 1/4lb hamburger.