It's quite interesting how quality of life gets inverted in non intuitive ways. If you travel to a "developing country" you notice you are no longer bombarded with ads. Watching YouTube is close to the premium experience, bc the country presents no ad revenue to Google. You then travel to a "developed" country and you can't watch a 5 minute video without watching 2 ads.
Everything is a transaction, it is too easy to transact. People used to just write, to just make music. Sure, they need to eat, but they lie. You hear people that make insane amouns of money asking for a coffee. imho, writing is a thing you to to share knowledge, to have a conversation, to learn, etc. It is a way to also get people to know you better, and maybe learn about the things you do that they would want to pay for. So unless writing is your full time job, asking money for it leaves a bad taste.
Payment fatigue is an irrational thing, at least in the context of what a rational economic agent is. Rationally, you pay for what you value, at roughly what it is valued to you, and you don't pay for you want you don't value. Transactions are fatiguing precisely because we are not rational agents. Humans live primarily on emotion and ingrained behavior, with small bursts of applying logic.
In general, the "rational agent" abstraction is so flexible it can represent almost any real-world behaviour (which is why it's a bad model, not that humans are fundamentally irrational in some way).