There was a third possibility: you could figure out how the game worked and write your own version from scratch. I learned so much about programming by writing a Pac-Man clone on a ZX Spectrum simply because I didn't have the pocket money to keep feeding the arcade machines, or even to buy someone else's knock-off version on a cassette tape. I quickly got bored of typing in other peoples' programs from a magazine, much more fun to write your own.
My memory, it was generally true about the C64/ZX split being about gamers vs coders; however I did know some "Speccy" owners (generally with slightly-better-off parents) who had lots and lots of different games on tapes and did nothing but play games on the machine. Yes, I "borrowed" a lot of games by copying the tapes on an Amstrad dual-cassette stereo system (thank you, Sir Alan!) but I'm really glad that generally, scarcity of an "easy option" forced me into a place where I had to write my own code.