When I listen to music on my car radio, I am using something of value
and I'm not paying for it. Oh! shame on me.

The advertisers have paid for it for you. If you want to play the radio
stations or prerecorded music on your business music on hold system,
"rebroadcast" legally you must pay an annual fee to RIAA.

Now if I want to record it
on cassette, 8 track, CD, or even get my note pad out and write it down
to read and hum along later, that is my business. Next they are going to
tell me if I loan my hammer to someone, he or me will have to pay for it
again because he is using something of value without paying for it. I
know a hammer isn't a song but is is still "something of value".

Actually, its more like; you are a brilliant inventor and you just invented the
hammer, nothing else like it exists. You have a patent on it and you would like
to make a living from this new invention. You don't have the financial
resources to market or manufacture large quantities of hammers so you sell your
patent or provide a license to a large corporation who will pay you a royalty
for every hammer they sell on your and now also their behalf. For a while it
provided a good and steady income for you. You quit your old job as a factory
worker and are working full time to develop other great ideas. However the
money stream has slowed and you haven't got any of your other new ideas ready
and you might have to try to get your old job back. Many early customers have
bought one of your hammers used and liked them so much they have now made
identical molds from the originals and are now giving them away for free to
anyone and everyone they know. Your dream of a secure income is quickly fading.