That shows that you understand that the business model is flawed, and that it only exists the way it does because it is a measure companies have become comfortable with as a means to make the most money out of a smaller user base. That is precisely why the model is broken.
I don't think you'll find any argument from me that there is a good reason why it is this way. Everything you mentioned, I am aware of. That doesn't mean it is a healthy model or one which is good for consumers or fans. It is bad for pretty much everyone involved, but it happens to be stable enough in this smaller bubble to continue to make enough money for the industry to just continue existing.
But the point is that if there is a complete upheaval of how the anime industry works, it CAN be better. Sure the entire industry could also fail and cease to exist, and that risk is why none of the major players are particularly interested in changing how it works.
My opinion when it comes to improving the health of the industry is not just to lower the price. I'm simply stating that the price of TV anime is the main barrier of entry for consumers. It is the factor that affects consumers who are interested into getting into buying anime the most. This is why it is a tiny market compared to everything else.
In order to be able to make money off anime and to also sell it at reasonable prices, it would require a complete rethink of how the business works. The reason why they have to pay to get most anime on air is because the majority of TV anime airs at ungodly hours with poor ratings and no ad value whatsoever. So unless sponsors agree to pay for that ad time that the show will air in, stations are less willing to bother co-producing the show. The reason for this is also directly because of the small market that anime has carved out for itself.
This is far from the ideal situation, hence the business model even though it works for getting a return on investment, is broken. If anime had a totally different appeal, and is seen a mainstream and normal industry like manga where anyone who is interested can watch stuff at reasonable hours, and if they want to buy the DVD/BDs they are not sold in ridiculous ways which only hardcore fans would accept, then it would also be more attractive to air anime with normal advertising, and for stations to co-produce anime series without having ridiculous pre-conditions .
That's all I'm saying. I don't think it will happen, and I do think it is very unrealistic that it will change anytime soon, but I definitely don't think it is a normal thing to look at the industry and say that the business model is not broken, because it is.