Can someone explain the "everything is an extra" culture?

I genuinely love Iceland. The nature is unbelievable, people have been great, and I understand it's an expensive country with high wages. I don't expect cheap prices.

But what I don't get is the constant nickel-and-diming.

If I'm paying a premium for accommodation, why is access to the hot tub an extra charge?

If I already paid to enter a geothermal spa, why are towels not included? Charging extra for a towel after you've paid a hefty entrance fee just feels... unnecessary.

If I'm paying 5,000 ISK for a bowl of soup, at least let me order it at the table instead of sending me to queue at the counter.

And if a beer costs 1,900 ISK, throw in a tiny bowl of peanuts or something. It's not about the value of the peanuts, it's about the feeling that someone actually wants you there instead of trying to monetize every tiny detail.

Again, I completely understand why Iceland is expensive. That's not my complaint.

My complaint is that once you're already paying premium prices, the experience often still feels strangely stingy. Am I the only tourist who feels this way?