The manufacturer/builder gets paid once, and you get value monthly.
The existence of purchasing cars and houses with no ongoing cost to the builder is due to competition.
Houses, not sure how it's done in more populous areas, but around here you don't ever rent from the builder. You rent from someone who bought the house from a builder (or bought from someone who did, etc etc).
The idea of capturing reward post-receipt is feudalistic.
Price is usually established based on how much something cost to make (materials, effort, profit), combined with market conditions (abundance/shortage of products, surplus cash/tough economy...).
If you want to continuously extract profit from consistent use of a hammer or vacuum cleaner, somebody else will trivially make a competing product at a lower price with no subscription.
And software like photoshop is not trivial to copy so it can survive being priced based off of value provided. There exists competitors that don't have a subscription, but they are not good enough to kill it.