I think this is a false dichotomy. There's no reason "all music is paid only" is the only option besides the all-you-can-stream for one monthly fee popularized by Spotify.

For example, the other day I discovered a local artist on Instagram. I went to her Bandcamp page and was able to listen to some tracks for free with zero friction. I ended up purchasing the deluxe vinyl, and it was one of my favorite albums that came out last year.

I've done similar with the radio. I went from hearing a track on the radio to purchasing the album on Bandcamp in like ten minutes.

Spotify and the like CAN help with discovery, sure, but that doesn't have anything to do with their business model.