There is too much free stuff out there, the process of paying and accessing what you paid for is too clumsy and unfamiliar, and so on.
The process of paying and accessing what you pay for is too clumsy. 
mnli hypothesis: The process of paying and accessing what you pay for is too clumsy.  premise: There is too much free stuff out there, the process of paying and accessing what you paid for is too clumsy and unfamiliar, and so on.