You are wrong if you think that slice of the pie taken by the the music distribution food chain is/was anything close to the income that has disappeared into thin air due to the streaming ecosystem. The software geniuses just arrived at a price point that they thought was palatable to end users, and threw the crumbs at the artists after they took their own share. The artists did not have a seat at the table when the formula was written.
And payola, oh yeah, like that has gone away? It just wears a different mask.