I’m not in this for monetary value, I’m in because I love music and have a kickass system that provides me with hours of listening enjoyment.
I think it is important to distinguish between downloading files like HiRez to your hard drive, and proper realtime streaming from the internet as with Spotify, Tidal or Qobuz.
I love streaming. For me it represents the difference between having your own small library of books and access to a large university library that has (almost) all that was ever published. One evening I may sit down for an evening of Bach cantatas, the next day for an evening of Chicago blues or 1960's British pop, or a playlist of music selected by my 19 year old son. It has seriously enriched my cultural experience.
Similarly, do not forget the benefits of internet radio. By now the sound quality of many stations is roughly equivalent to FM (or sometimes even rather better), but you can bring the world into your home. It allows me to listen to almost all Dutch stations, but also to BBC Radio 3, French radio, German radio, NPR from the US, jazz stations form New York, or what have you.
I like streaming from Tidal hifi,and maybe qbuz sometime this year.
It’s a great way to discover new music,my latest quest is indie bands.
I own over 3TB of music that I locally stream also,a collection of many yrs that I will never give up.
Streaming from Tidal is great when I have somebody over and I may not own their favorite.