For some services, my friends and I are sharing accounts, even if it's not intended by the services. It works very well for streaming services (I'm fine paying

For some services, my friends and I are sharing accounts, even if it's not intended by the services. It works very well for streaming services (I'm fine paying €4 a month for Netflix even though I rarely use it), but with two very close friends (who I trust a lot), I'm also sharing a YNAB account because YNAB's subscription prices have become ridiculous. All in all, I pay "only" about €35 a month total for all my subscription services even though I use quite a few.