There will always be the hoarders. You can’t collect everything on any sort of wage/salary and live. If you have a compulsion then piracy is a reasonably harmless past time. You aren’t depriving anyone of income for something no normal person could reasonable afford.
For regular content consumers it is simply free market economics working. Companies innovate and offer great products and value and they take people away from the black market. Then the companies get greedy, form loose deniable cartels and start fixing prices prices at higher levels and cutting quality and consumers go elsewhere. They want the profits from a free market but don’t want to play the game and compete on value and quality. Sucks for them. The government grants them a legal monopoly on monetizing their IP but it doesn’t give them a clue on how to build successful businesses.
I have been using PayPal increasingly for online payments. Not sure why. I have heard old stories about PayPal but Honey seems really bad. Its basically a given that any fintech company are going to be dodgy scammers but PayPal seemed almost grown up and respectable. Guess not.