I pay for Spotify for several reasons :

1. Unlike Netflix & co. for movies/shows, the catalog size is satisfying on Spotify & co. for music ;
2. Remote playback and volume control over Internet (branded “Connect”) ;
3. Contributing to creator revenue.
4. Voice assistant compatibility ;

Yet, I use a family subscription, which I share with strangers, because Spotify increase their prices often, and my wallet doesn’t like that.

Fun fact : when Spotify realizes someone’s doing that and prevents new people from joining (which only happens when people join and leave a lot), creating a new account with a new family subscription (even with the same IP address, home address, username and bank card) and moving everyone to it works fine.

So do all banks, that’s what Play Integrity Fix is for.

(de-googled crDroid Android 15 user here).

In terms of bank, I recommend switching to one that won’t block you for travelling, like Revolut