I guess YMMV, I just tried a few places around me (UK) and it found them all. You can also defiantly tap on a place to select it.
Did you try it recently or a while ago? I know it was pretty woeful when it came out but it’s improved a whole lot over the years.
Because the “you wouldn’t steal a car” nonsense scares a lot of people off
Because some people want to support the creators of content but digital downloads from iTunes or whatever are more expensive than getting a month of a streaming service
Because there is a level of convenience of having thousands of hours of content at your fingertips without having to store content locally or finding it on a “dodgy” website. Setting up torrents / usenet is more work than giving someone your credit card number
Because a lot of people don’t know where to find content and if they did they don’t know the difference between a 480p avi vs a 2160p HDR DV MKV and get confused with torrents and file formats and how to get them on their TV.
Because - at the moment - the ads aren’t that bad, I got one ad at the start and one episode in the middle of an episode of Gen V - obviously they’ll add more until it’s as bad as cable but they’re not there yet.