As Nick Szabo will attest, each transaction you make consciously carries with it a mental cost. It sucks. People would much rather a Netflix model to a pay-as-you-go model even if it ends up costing them more money in the long run. [1]
> We can now make a pay-to-use netflix, something we haven’t done yet.
[edit] I hate to break this to you, but you just described the Apple Music, TV and Movie stores, the first of which (music) has existed since the dawn of the iPod in 2001. Also the Amazon equivalents. And a pile of others.
[1] https://nakamotoinstitute.org/static/docs/micropayments-and-...