I don't think its news to anyone that traditional broadcast television is on life support. The shows are shorter to cram in more commercials, they are cheaper to produce, and the ratings for a "hit" program would have gotten a show cancelled 20 years ago.
Fortunately, there are still live events and sporting events to serve as a lifeline but those are very expensive because the NFL, NCAA, what have you, know they control the terms of agreement.
Cable television is in a state of flux, because people's viewing habits are significantly changing. Cable companies are rapidly consolidating because they understand the future is not the glowing box in your living room, but rather that wifi router in your office. The cable companies understand that American consumers want freedom of choice, and the warm comfort of an overflowing selection of TV and movies at our fingertips.
So what can the broadcast networks do to adjust to the new reality? Well the streaming landscape is already dominated by the big players like hulu, Netflix, and Amazon, so it would be very difficult to start a new company and have it compete. Thus you have networks like FOX, ABC, and NBC working to get the best deals for streaming their IP.
FOX and ABC have monstrous corps behind them that get revenue from a wide variety of sources, so there isn't a motivation to build something from the ground up. NBC seems to be giving up and just trying to keep the ball rolling a few more years, so they don't have any motivation to invest in the infrastructure required to build a vibrant stand-alone streaming service.
So that leaves CBS. You may have noticed that CBS likes to do things on its own. They have a dedicated sports network, and have had one for some time. They have steadfastly stuck to the old school model of original programming, physical media sales, and stand alone streaming services, only occasionally making deals to stream their IPs on other streaming services. At the same time CBS has been fairly dominant in the broadcast network world, building formulaic programming that hits the current "sweet spot". They don't make sudden moves, and they are very self reliant.
So when they decided to move into the world of original streaming programming, they apparently made a calculated decision to tap into a group of fans that are desperate for new material, tech - savvy, and possess a decent amount of disposable income they are willing to spend on entertainment.
That's us.
I cannot think of any way that CBS' decision to make Star Trek exclusive to their streaming service is "insulting."
They have a fantastic product with a dedicated fan base. They have to adapt their broadcasting model or else fade away into the dusty folds of time. They have a culture of self-reliance. They understand that virtually every American household pays for either the Internet or cable or both.
So how is it "insulting" to use all that knowledge to assume that Star Trek's fan base won't mind paying 6 bucks a month to access a new show, AND what is sure to be a host of other original programming?
I don't see an insult, I see a large corporation recognizing what the future will look like, and acting accordingly. While a few die-hards or those who truly don't have the resources to afford access will not see the show online, I imagine that by time the new series is released, most Trek fans will gladly shell out the money to be able to enjoy new Trek on their TV or mobile device.