In other words, we can pay with money or by allowing ourselves to be monetized (via attention to ads or other manipulations and invasiveness) *OR* we can actually have things be free. There's negligible cost to enjoying Mozart or Mark Twain, and a few orders of magnitude more stuff could be public domain if that status weren't sabotaged to support our cancerous growth-forever economic model.
Anyway, I agree with you completely about Netflix vs Instagram. And while Instagram can be described as pay-with-attention-to-ads, it's definitely valid to see it as most users are the product for the actual paying customers (the advertisers). The reason I like the "pay-with-attention" framing is to prompt everyone to always be asking "how am I paying?" and sometimes the answer is "I'm not, it's actually free, no catch" as that opens more options to consider than the binary "am I the customer or the product?"