Don't get me wrong - I'm not a fan of streaming services and prefer to own my music (a large part of which isn't available for streaming anyway) but for most people this is an incredibly fair deal.
I've gone with Google Music for this reason - my personal collection is in the cloud for streaming purposes (saved me the hassle of a home media server) - I occasionally buy new music from various sources and upload it to my account.
OTOH you can listen to hundreds of dollars worth of new music in a day if you want to, with no risk. If you pick something on a whim that turns out not to be good, just move on to the next album or artist. It's like going to a record fair with an unlimited budget, and a truck to carry your finds home in. There is a never-ending supply of crazy stuff on there.
If you use it like this, it's incredible.
Once smart phones came around and data plans approached a level where streaming music wouldn't explode your bill, I think streaming became a no-brainer. It still took me two years of having Spotify before I realized I could throw away all my old CD's that were eating up space, but once I reached that point, the value of streaming, at least to me, was pretty clear.
Sure, there are gaps in the music, but I think for most people, those gaps don't exist. And even for the layperson replacing their CD collection, having a Spotify/Apple Music/etc. account means having access to their music on any device, anywhere they go. Duplicating that kind of access with a CD collection is difficult.
Don't forget much of the world (I'm in the UK) already has generous enough data plans that many people stream without thinking twice. The US is an outlier in this regard.
Anyway, maybe I should try one of the free offers. :-)
unless you wrote it and played it you don't 'own' any music.