The majority of muso's work their arses off for little reward. People ripping their music off is completely immoral ("not particularly moral" is like being a "little bit pregnant"). Sure the top whatever % are making squillions and it won't hurt them, but the majority are not. No different to ripping movies. While you might think "oh the stars don't need it" but what about all the extras that are in or work on that movie? You are ripping them off too.
Extras don't get rollovers. Flat fee.
Agree with your other points.






