Honestly, I don’t think it’s that simple. Console online services get away with making you pay because the system is locked and you don’t have a choice. Pc gamers can host their own servers, and if steam ever becomes so anti consumer as to charge for access to your library, competitors will rise and the market will balance.
That’s true, but games exist already where people can host their own servers. Pc gaming is kind of like the sandbox of platforms. Other major consoles solved that problem by sunsetting their free services so that you can’t just go play an existing online game for free on their platform.
It would be a gargantuan task to sunset free online connectivity as it exists in pc gaming today.