Joe, I think your analysis is pretty accurate.
I was thinking about this as I was sitting with my wife in a concert that was part of the Oregon Bach Festival* in the "cheap" 26 dollar seats listening to a Venezuelan chior sing.
The music wasn't anything I wanted to hear (the program is never announced ahead of time on these things) and the choir, frankly, wasn't terrific. My reaction was that I coiuld have paid $18 for the CD and saved a bunch of money.
The local listener-supported classical FM station to my ears has gotten very stale, particularly with their "no vocal music during the daytime" rule. It's the same old stuff, mostly. OTOH, that performance of the CBSO doing "Rite of Spring" was from that same day, exists on no CD (yet), and was very well done. Last night I listened to the Elgar Romance for bassoon and orchestra; I've never heard it before. No commercials and if I missed a work, I can go back (for a day anyway) and catch it again. I don't expect this nirvana to last, BTW--commercial content will inevitably creep in and someone will start asking for subscription fees. But right now, it certainly satisfies the "quality and cost" criteria.
So, the stumbling block is net access. I believe that that will come about as a matter of market pressures. What telco wouldn't want to get rid of their switching gear and analog equipment for a bunch of routers? VoIP is making serious inroads into the long-distance market and the telcos certainly feel the pressure, so the part about providing broadband to the home I think is inevitable. (I know there are still towns served by Class II Crossbar setups, but that will become uneconomical sometime).
That leaves us with the mobile aspect. The US, unlike most of the rest of the world, has not standardized on a single protocol for cell communications. That's going to have to change. What with cell vendors offering limited web browsing and downloading, it's only a matter of time before wireless net access is a given in most urban areas, I think.
"Why not," I say?
Chuck "Off to listen to Graham Abbott's "Keys to Music" on ABC Classic FM:
http://www.abc.net.au/classic/keys/