Decided that after the last hi-def streaming service I enjoyed died with little to no warning that paying for music subs is silly, and I've massed a huge collection of lossless music legitimately for a bit more than it would cost to subscribe. Even though I can not listen to as much music... nobody can take it away by going bankrupt or by going a different direction with the company.
$20/m is a significant investment in the long run.
That's 2 CDs at $10 each per month and unless you're always buying new CDs they're likely to be cheaper (or better yet buy them in bulk in garage sales and such)
If you get yourself 4 CDs per month at the same price that's 48 CDs per year which is a fair selection of music in lossless format that you own and can rip.
Anyway to each their own.
Some people like having a larger catalogue available for mobile streaming than they can carry on the mobile storage