People pay every month but most don't use the sub to it's full value, and forget how expensive it becomes over the years. And you don't own anything on a subscription, you just borrow it.
Also trial periods that prolong automatically into subscriptions.
I was really surprised when I shipping forwarder I use after I upgraded from the "free" tier to the $10/month tier to save a few hundred dollars of state taxes, when I downgraded back to their "free" tier five days later once the package was out of their hands, the answer was "Your subscription will end at the end of your current paid month"
Yup, BandCamp all the way. Once you buy a song you own it, you can play it anywhere you darn well please. Even if BandCamp goes under, no worries, still got my music.
Same with DVDs. Yeah, I've definitely gotten movies I regret purchasing, but I think long-term it's more economical.