> The alternative to a subscription is usually capital-intensive - if you want to cancel Netflix you need to have a DVD collection.

I did Apple Music and Amazon Music. The experience of losing “my” streaming library twice totally turned me off these kinds of services. Instead I do Pandora, and just buy music when I (rarely) find something I totally love and want to listen to on repeat. The inability to build a library in the streaming service that I incorrectly think of as “mine” is a big feature, keeps my mental model aligned with reality.