This used to bother me, but I haven’t used a ringtone at all for 10 years so I really don’t care anymore.

Although before that, I made my own ringtone using GarageBand off a ripped mp3 and didn’t buy anything through the apple store.

OK. https://www.wikihow.com/Set-a-Song-As-Your-Ringtone-on-iPhon...

I forget how I got it setup but I have a custom ringtone for one contact that I certainly didn’t buy.