No Stupid Questions
No such thing. Ask away!
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If the content was a commodity like oil or food it would mean all movies and series would be available to all streaming co. Then you could save money and choose the one that best serves your needs.
Since it's not the case it's more like worst case monopoly: if I want Star Trek I must suffer the bad experience that is paramount plus. If I want mandalorian I have no choice but to engage Disney Plus. Etc etc.
So not only you pay more, but there's no incentive to pick the best ones and improve experience of the bad ones
If they made the media realistically affordable (a couple bucks a movie or like 5 bucks a season of show) many people would just pay that bill and be happy.
I often end up downloading stuff I already have access to on streaming, that way it's just all in one place.