I get that finances aren't the best for many people, but it always makes me very sad to see that music has been undervalued to a degree where it's not in anyway unusual to expect to get access to all music ever created for 10 dollars a month. Obviously, that means that the vast majority of artists get very little money. This has lead to a large share of the music available to stream being AI generated garbage. Because it doesn't make sense to put in the time to create a work of art when people are just not prepared to compensate you properly.
I pirate music to see if I like it, and buy what I like, mostly on vinyl, often through Bandcamp. Despite the pirating, I pay far more than 120 dollars a year for music. That's the price of like 3-4 albums, and I haven't gone a year buying less than 10 albums. And that's excluding all the gigs that I go to. Music is valuable to me, and I still have the first album I bought in 1992, and everything thereafter. It's an awesome experience rediscovering stuff I listened to in the nineties, that I had completely forgotten about.