For me, piracy isn’t about the cost. I’ve spent 1000’s of dollars on home servers, Apple TVs, NAS, hard drives, Usenet/VPN subscriptions, and indexer subscriptions. Not to mention all the extra time it takes to set up and keep everything running.
I do it because I get a higher quality product. The last time I did the math, for the size of my collection and the cost of everything I’d spent would be the equivalent to having paid $10/Blue-ray for what I have.
I also do have many streaming services through different bundles, but the low bitrates and constant switching of services means it’s harder to find and lower quality to watch than just adding something in Radarr and playing it in Plex.
On the other hand I legally stream music all the time and am very happy with the product. You pick one provider of your choice, pay a reasonable price, get access to nearly all the world’s music, modern and historical, and the audio quality is more than reasonable.
It’s on the movie and TV industry to fix their piracy problem. The music industry has even provided them a template.