Assuming £13 p/m for subscription, after 10 years you’d have spend £1.5k. After those 10 years you’re left with nothing, you need to keep paying for subscription to listen to music.
If instead you were to buy and rip CDs or buy digital downloads straight from musicians, assuming £10 per album, same amount would give you 150 albums.
Assuming an average of 12 songs per album and 5 minutes per song, after spending £1.5k you’ll have 150 hours of music to listen to. An average person listens to music for 19 hours per week. That’s almost 8 weeks of not a single song repeating, or, to put it differently, hearing the same song not more than six times per year.
Plus, after those 10 years you don’t have to spend a single penny and are still left with 150 albums / 150 hours of music that you own.
You can also buy CDs in charity shops where one CD costs around £1, which will multiply my calculations x10.
Streaming is infinitely more expensive compared to buying. Not to mention all the points made in the initial post.