I pay for a Spotify Premium subscription. It has 99% of the music I want to listen to, and it works on all my devices - including Linux. I only use it a dozen hours a month or so, but it's too convenient not to get it.
I tried a Netflix subscription early on for a few months - before the streaming service explosion. It had a horrible UX, didn't work on half my devices, and only had a small fraction of the content I wanted to watch. In other words, it was literally impossible to legally get a Spotify-like streaming experience.
The solution? I spent hundreds on a movie/tv download server instead. A single torrent tracker provides everything I could possibly want, with an extremely easy user experience, and the content is guaranteed to work on all my devices. It would be cheaper for me to subscribe to a streaming service, but a decent one does not exist.
In the years since then the streaming landscape has only gotten worse, with content now distributed among a dozen different streaming services. Why would anyone willingly subject themselves to that?