The way I look at it, is I don’t pay to listen to the music, I pay for the convenience.
Most music I listen to is on YouTube, where if I wanted to, I could just download it and “own” the song for free. However, in the interest of saving time, letting Spotify create playlists based on what I listen to, I just pay a monthly fee. Not to mention that I can share my playlists on multiple devices, whereas if I download music, I can’t.
I also have a family plan with all spots filled up, so that’s 6 people listening to all their music for $20/mo CAD. Far superior to buying an album or individual songs.