Or self hosting their own Jellyfin

I've been saying that for years. Now I have about 250 albums drm-free on Bandcamp. A good chunk of that money went to the people making the music, too.

I know there are people out there paying a subscription to Spotify who listen to the same dozen albums over and over, too.

1.: I divide the payment of Family across 3 members.
2.: I listen to so many songs individually, it would bankrupt me to buy every single song individually or the full album.
3.: I'll buy an album (2nd hand discogs (so good)/ebay, digitally on wherever or bandcamp). If I don't like the music as much or the buying process is annoying, I'll pirate the song.

So yeah. It depends.

Well, not really. I've discovered a ton of music in the past couple years I never would have bought or even had access to, without streaming. But Spotify does suck, I much prefer YouTube Music, which comes with Premium.