These aren't physical goods, and (my issues with the categorization of piracy as theft aside) given that we're talking about legally listening to music you have access to through a service you pay for, I don't even know how to engage with the suggestion that this is theft (on the part of the consumers anyway).
If you have the means and inclination to pay more I strongly urge people to pay more also. There are issues with the intermediaries, but there is no practical way for people who can't afford $1000/yr to support the artists they like legally, while still being able to listen to them.
So if your suggestion is that someone who can afford $90/year should only have access to the albums they can afford to purchase through bandcamp because those support the artists more directly, I strongly disagree. This just further creates a wedge between the wealthy and regular working class people.
Are you suggesting poor people make do with the few albums they can purchase from bandcamp and then whatever they can listen to on the radio? On youtube? Because I fail to see how those are any less 'theft' than just paying spotify and listening there.
edit: I'm actually legitimately confused about what your idea is here and I'd like to understand. It seems like we're both coming at this from an anti-capitalist perspective, but your idea that poor people should have reduced access to the arts doesn't seem to align with any anti-capitalist ideology I'm aware of.
Or are you just opposed to the consolidation of the distribution channels which exploit the working class (artists in this case) but somehow haven't drawn the connection that this is a condition of late-stage capitalism?
If so, I'd recommend listening to some content by the wonderful Cory Doctorow