With streaming content, the barrier to just copying it is already as high as pirating. You don't just have a file you can email to your friend -- you have to install and use software to capture the video and then handle the big file that results, on your phone, which is awkward. And that just gives you one movie which in isolation is barely worth anyone's attention to begin with. By the time you've figured out all that, you could have just figured out how to torrent, or even easier, find a free Chinese website that streams the pirated content to your browser just like the original service.
Even if money is no object, if you want to watch bluray-quality 4K content your only choice is to buy the physical media and get it shipped to you (and then use some horrible proprietary player interface). I'm not aware of any streaming services offering the same bit-rates at any cost.
Pretty much. The path of "figure out how to screen capture the entire DRM-unprotected movie as a video and send that entire file" has about the same level of resistance as "find a link to a pirate streaming site that already has the movie on it and send that link". Maybe more.