Seems silly. The reason they have that problem is that their logic for funneling subscription revenue to streams is broken. This won't fix that fundamental problem. You can still use Spotify to scam money out of the system.
Changing it to splitting out a users monthly payment to what they're actually listening to, would make the abuse they're trying to stop easier and not harder (as it would mean all the money they're trying to launder will go to the correct artist instead of just some of it)
Not saying that that's a good argument for the current system, but it wouldn't fix the issue they're trying to solve
I don't think any subscriber (i.e. people giving them money) would prefer current model over where your money goes directly to who you listen.