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Many of us use bandcamp specifically to avoid subscriptions and because it provides downloads, rather than streaming.

Your idea isn't bad, but I don't think it will appeal to the folks who are lamenting this situation.

You'd still be able to purchase and download the songs but you can also stream for discovery and the artist would still get paid fairly for it. It's basically a store but with the option to pay outright or to use a micro installment payment plan with no time limits.

I'd say most millenials and older have had the experience of buying an album only to realise they only really like one song and then having buyers remorse.

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