User stories don't exist to fulfill some sort of methodology requirement. They exist solely to clarify what a team is doing, why they are doing, and who benefits from that. If you twist the words to obscure the meaning or fit some stringent requirement for what a story is supposed to look like, it serves no one.
So answer the question "who does this benefit" and "why are we implementing this" honestly. Your development team needs this information to do their job. Even if the story is negative from the user's point of view, that's valuable information.
That being said, what you describe sounds more like a use case scenario rather than a story. Perhaps if you reduced this down to smaller pieces it might be more clean who the owners and beneficiaries are. For example, the feature of charging for checking email has several components. At the very least there is a UI component and a back end component, and perhaps a business rule.
You might break your feature down into these stories:
As a provider of an email service,
I want to collect a fee for each read email
so that I can earn money and continue to provide and enhance the service
As a user, I want the collection of the email fee to happen automatically so that I can read my email without having to acknowledge each fee as it is collected so that my experience is more enjoyable.
As a user, I want to be able to easily review the terms of service and fee amounts so that I understand the fees that are charged so that I can feel confident that I am getting my money's worth.
As a user,
I want the collection fee for reading email to be small
so that I can afford to use this service