I'm not sure why people keep bringing up Netflix. Last I checked, they weren't a music streaming service.
There's a huge difference in Spotify for music vs Netflix for TV and movies. Netflix's catalog is absolutely tiny. Spotify's is not.
I also continue to disagree with the idea that Spotify's catalog is only for people with basic or mainstream tastes. This is far too reductive. Like I said above, the vast majority of newly released music is released onto Spotify. For many new or small artists, streaming is the only way their music is released. There is no "somewhere else" to go.
Personally, I listen to a lot of contemporary French indie pop, including a lot of pretty obscure stuff. This stuff is most available through streaming services. To the extent it is available via pirate channels, it's because someone bothered to take the time to rip it from a streaming service. There is nothing which music piracy offers in this domain, and there is a lot that it lacks (both in availability and in all the service factors that make streaming appealing, as I've said--convenience, sharing, discoverability). A further factor I haven't brought up yet is that it just feels shitty and pointless to pirate this kind of stuff when listening to it on Spotify at least provides some benefits to the artists themselves: royalties (tiny as they may be), increased play counts, exposure via recommendation algorithms.
A large fraction of what is uploaded to music piracy sites currently is sourced from music streaming platforms. Not all of it, certainly. A large fraction of the CD- and vinyl-sourced uploads are also available on music streaming platforms too though. As I've mentioned a few times previously, Spotify has a bigger catalog than RED does (even if you ignore all the 0 play AI slop spam that's been flooding Spotify lately).
I would say that the median user of private music torrent sites now is one of two things: either they are there because they want to join other communities for things beside music (TV, movies, video games, anime, porn, whatever), or they are someone who has been pirating music for a long time, probably Gen X, listens to mainly music from 30+ years ago, and has made music piracy a part of their identity and self-perception on some level (you can see a certain sense of smug superiority about it even in this HN thread).
All of this is to say that I think that the comparison to McDonalds or Olive Garden is just way, way off base. Spotify and Netflix do not belong in the same conversation either. Is there some stuff that's not available on music streaming platforms? Sure, it exists. If people find that streaming is not meeting their needs, of course they should look elsewhere. But the picture that is being painted in this thread is simply far off from reality.