But they don't "make you pay."
The offer paid ringtones, yes. They also let you make ringtones in garage band using any audio you have (such as audio you got from a CD). So Apple makes it pretty darned easy to make ringtones from copyrighted material.
This is an actual feature of the software I'm talking about here...not a hack.
I don't think you can say they make you buy anything.
And even on Windows you can use iTunes to make free ringtones out of music on your system (not as nice and easy as garage band, but it's there)