Re: pocket money
dunno about your dad, but when i got a job he didn't insist i repay _all_ my pocket money plus 25% before I got to keep _any_ of my earnings. (+ rent, food and clothing)
As for the investments, I'm not sure exactly how much google have spent on server farms and comms, and coding, and indeed marketing, but i'll give you a pound to a pinch of shit that the figure would make a typical Sony BMG exec run home to his mummy.
all of which is available for 'free' no contract, no lock in (the OP notwithstanding) plus they do all that stuff the old industry did! and if you met many a&r men you would know that it is infinitely more enjoyable to have a conversation with a php script. :-)
It's a quaint idea that the record companies ever had anything to do with 'the future of music' they never did, any more than google, spotify or itunes do today, they are businesses. they do market research and when they see something sell, they buy something similar... cheap (and therein lies the rub).
EMI never taught anyone E A and B7, or suggested syd barrets eyes were like black holes in the sky.
I really can't see a difference today, apart from the consumers perspective where music is infinitely more available than before. The world is still full of kids sweating it out over E A and B7, one day maybe he'll be the next john lennon - in which case he'll end up loaded, or on the other hand he almost certainly won't - and get a steady job as a painter and decorator. same as it ever was.