I signed up for YouTube Premium because I wanted to watch some videos offline (on a flight). The download speed is awful. Now I use YouTube-dl when I want to watch videos offline. I still have Premium because ad-free is great!
Games are easy to pay for, fast to download and I know at least steam and Epic have a very reasonable refund policy (if you have less than 2 hours of playtime they will refund you without issue). I’ve used this a couple times for games that either had many technical issues on launch or I didn’t like the mechanics of the game.
The only game store that is absolutely terrible in all of this is EA/Origin who have a very buggy and slow client. I just avoid their games as a result.
Use an alternative ad-free client if you don't wanna pay for a not working download feature.
It's such a shame what has happened to podcasts