I'm in the same boat (not $0, but certainly in the tens of dollars, not more) and for me it is the "or". That is pirated music. Nowadays I either listen to yout

I'm in the same boat (not $0, but certainly in the tens of dollars, not more) and for me it is the "or". That is pirated music. Nowadays I either listen to youtube playlists (with ads) or something like Spotify (with ads). So in a way I pay, but just with my time, not money (unless the ads work).