I mostly play smaller or indie games, which have less aggressive monetization.
If I were to go and play the latest AAA like Assassin's Creed or whatever, I would definitely pirate it, but the game doesn't call to me anyway. Not only due to pricing and additional monetization, but mainly to remove the invasive DRM these kinds of titles use.
YouTube Premium I do the janky family sharing thing that makes the price tolerable, but it pays creators better so that's good.
Spotify, I'm on the verge of just going and pirating all the songs I want, because their UI is optimized for entirely the opposite way I listen to music (this could be a rant by itself).
Movies, I never stopped pirating. Just figuring out where I can find a movie in the quality and language I want requires being up to date on the existence, platform support, and terms of like 10 services. And yes, justwatch exists but A) I only watch like one movie a month, but most movies can't be rented, and are only available in a subscription which is a hassle to sign up and cancel every month, not to mention the expense. Versus pirating, where I can use 1 piece of software that will aggregate all the movies and series in the world and provide with an unified access.