Actually it isn't. There are tons of examples of whole industries just switching to user-/customer-hostile practices/products, meaning there's simply no more way to vote with your wallet. Happened like that with even trivial things like the milk market in Germany. Within a year or two, fresh milk had suddenly all but vanished from the shelves.

Once pay-for-fob becomes the norm, good luck trying to enter that market with the pitch "well we give you the fob for free". It's hard enough for a venture like Tesla, which has some serious technological upside. This? Not so much.

Edit: another nice example would be news. Good luck finding a news outlet that's willing to let you pay a moderate fee in exchange for a truly ad & tracking free experience that actually covers your reading needs. Seems like a market gap, no?