nope, not even close
Except for Peacock and ESPN+, which I only use during Football Season, all of the other services I have are commercial free.
No it is not, maybe that is your opinion, but I find streaming content to be a much higher quality then Cable Channels/Satellite shows, if you pay attention, all of the buzz worthy types of shows have been streaming.
Then we have the higher quality Video and Sound, 1080P/4K/Dolby Vision/DD+/Atmos.
If you want 4K, it has to be streaming, 4K on Traditional Services are a joke.
Yes it probably will, everything goes up every year.
But for now, there is a massive gap between Paid Live TV and Streaming, as long as both exists, there will always be that gap.
So, in 10 years, you might be correct, but right now and for the next few years until Cable/Satellite dies off, I will enjoy the pricing.