It's going to be really tough for the "middle class" of independents—whether you're in content creation or apps. But if you use streaming platforms purely as a way to get discovered, and build direct relationships with your audience, you can price and sell your own stuff. No more $0.006 per stream or whatever. (https://qz.com/1507361/mariah-careys-record-breaking-day-sho...)
That requires self-reliance, which is tough, but will be worth the payoff. I write more about it here: https://herbertlui.net/own-your-marketing-own-your-income/
Ryan Leslie is a good example of this—took his music of Spotify and went direct to audience, sold fewer albums but made more money. https://shift.newco.co/2017/03/10/ryan-leslie-shifts-the-con...
Increasing more relevant: Derek Sivers writes the way to be happy while being creative is to keep a good, steady, easy, full-time job and to create just for its own sake: https://sive.rs/balance