The ultimate irony - I started the day with Shawn Colvin's "Polaroids" from one of my favorite albums ever, by one of my favorite artists ever.  The ad that played just before was some dweeb advertising his download pack of chords and melodies samples and loops. "Get your songwriting together - download my melodies and chords package today...." 

Right.  Don't bother actually LEARNING chords or how to write melodies or how to write songs yourself.  Don't actually create anything.  Don't do the work.  Just download the work someone else has done for you. 

Forget about "what's wrong with music" - this is everything that's wrong with EVERYTHING.  I'm glad Shawn didn't just download a bunch of samples and loops, but learned how to actually DO something.  Something wonderful, at that.