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.