There's a massive gap between the pirate service and the "legitimate" media service. For one, you can just type something in, and get the movie you want. You don't have to navigate between 15 different services, and then find out the film is only available on mail-order DVD, or in other countries. For television, the networks are HORRIBLE about providing their content to cord-cutters. Want to watch the latest episode…
"not a payment issue, it's an access issue." ... "bullshit cash grab" So in other words, it's a payment issue? Let's say you watch $100/month for cable, and watch about 3 hours a day. That's over $3/hour. $10/month for 4 hours a TV is cheaper than cable, it's ad-free (I believe) and it's more convenient. It's expensive compared to Netflix or piracy, but it can certainly be argued it's not a cash grab.
"You don't have to navigate between 15 different services"
I pay for Netflix, Prime, and Hulu -- I won't pay for CBS because there are already enough services.