OK I actually agree with both your points but wasn't sure if I was projecting: By the time you can get 10m to build a cafe, your concerts and singles make more than enough to offset any costs you have.
And I wasn't sure if I was crazy for feeling that the cafe is something we should get for free/cheap at the start of the game: it's already superior to the promotion and performance tasks by passively generating money and fans at the same time, just that it adds too many fans and kind of plays itself.