I won't bother digging into all of the details of bad publishing business models in academia, but that is a direct counterpoint to the blanket statement you're trying to make.
With staying on topic re: The costs to the end consumers. It's not personal greed to not want to pay to access the content when the cost of the content doesn't reflect the cost to produce it or even a "fair premium" on top of what it costs to produce it.
You're also discounting the business models themselves and how they work. Let's say I care to read this one specific article from NYT. Why do I have to pay to access all of their content? If they want more money they'd allow me to do a microtransaction to purchase this article. And no, not 20-30% of what a month long subscription costs.
It is in fact a bad business model. In either case, I don't pirate these articles and I'm even arguing against using workarounds to view them without paying. So don't try to paint me as some comically evil person who just "doesn't want to pay" because my argument is inconvenient to your world view.