Partly true, the miners decide. However, "the miners" is not a single person or group, but are distributed world wide under control of different people and pools having different incentives - albeit, making money is the far most common incentive. I.e. a miner can reject your transaction, but you can gradually increase the fee (replace-by-fee) until someone picks it up.

Plus, on-chain transactions would NOT be used to pay 10€/Month subscriptions. The lightning network (a bitcoin layer-2 network) handles transactions instantly and with lower fees. No miners involved in individual payments here (only for channel creation).