She has gotten greedy.

She's right Apple has enough to pay for three months, and I think its weird that just because people who use it aren't paying, Apple isn't either. But with this and the Spotify thing earlier, I think she really just needs to get her label to pay her more. Plus, with both Spotify and Apple music, it's not as simple as "I'm giving them my content, they should pay me (more)!". The streaming, whether for cheap on the consumer end or outright free, also helps people see that they like her music. This leads to at least more concert revenue (the real money maker for Swift and others), more merchandise purchases, etc.