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Fewer than 5 percent of cable subscribers have cut the cord, according to research firm Parks Associates, but nearly all of them did it for the same reason: Their cable bills were too damned high. The average American now pays nearly $100 a month for cable TV, says the NPD Group, a bill expected to top $200 by the year 2020. Meanwhile, cable providers consistently rank among the worst companies in annual surveys of customer satisfaction. That’s a big reason why pay TV subscriptions have been steadily declining.