Thats not the equation people are using to weigh ownership vs subscribership. IF one has the time and knowledge to set up some kind of apparatus which most-tech oriented people in this thread consider trivial which replicates an always on, convenient, and available service to deposit said ripped files in and stream, then it is a little more fair of a comparison. But that initial barrier is not inconsequential. Average users see a hugely available, instantly installable, solution for a very small fee, in most western countries.

In either case the argument isn't clear what traits are really responsible for the behavior, i cant say i have a solid case either. I'd also wager disagreeability to play a huge role.