It's not just Spotify, it's also Netflix & Co., so that adds up quickly!;) But I don't argue whether it's economical or not, my point is rather:

- Commercial subscription services are getting worse

- Self hosted solutions are becoming better

Jellyfin is a really nice piece of software & Navidrome looks really cool as well! And in some (not all!) aspects the open source alternatives are even better than their subscription equivalents.