Personally I think you underestimate access, I've on several occasions while developing small games wanted to collaborate with someone who has a musical bent to put something together.

The problem I feel is that I have an expectation of being able to front the cost of engaging someone to work on a project with me.

Working out navigating a working relationship on a smaller project seems fraught with issues.

I'm rarely inclined to spend dozens of hours listening to soundcloud when I have other things to work on.

I mean yes people create interesting music, perhaps it's a search problem? Knowing someone creates the kinds of music I'm interested in would help. But as someone making things, I'm trying to find someone who I can collaborate with who has an overlapping interest in what I make. Solving for that is not straightforward.

I've had much more luck with graphical art than music.

So yes, even though these systems are fundamentally worse, I can at least "collaborate" with them on producing something. Going from zero to one can be enough.