It's about 'feeding the industry'. The CM industry is going to crank out so much work every month, but only the best that is available in that increment of time. Some months are going to be better than others. once in a while, a great song will make it through. Do you think that the business will ever say, "We just don't have any good songs this month, so we aren't going to produce any".?
The Taylor Swift song is cute if you are 18-20 years old. It's what that audience can relate to. Many of us can remember that time in our lives but want to be moved by our emotions rather than our glands. One does what sells and she does that very well.
One more aspect of our condition as songwriters is worth mentioning. I can really only speak from a personal perspective, but when I started writing songs, I started really LISTENING to song lyrics and productions, and most of it began to sound kind of shallow. I think that's because there are very few people making the decisions about what gets through, and that's based on formulas and individual tastes, plus the mood the exec is in that day.
The real creativity is coming from indie artists, and once in a while one of those gets through.

http://www.showcaseyourmusic.com/JIMCARLISLE