I think you're confused about the issue.

you pay for hosting, yes, of course. You don't additionally pay individual ISPs to guarantee it's users access to your sites.

You don't pay it directly. But you are paying your hosting company who is several steps down the line paying a backbone provider to tie their network to the rest of the world's networks. So, yes, you really are paying to have other users be able to connect to your site.

I don't? I honestly don't know that. If my hosting company does, I'm sure they would pass that additional cost directly to me. I don't see a problem here.