Speaking personally, it’s literally that. I used to pay for Netflix, HBO, Prime and Disney+, now I don’t pay for anything.

The reasons are quite simple:

• everything got more and more expensive
• some of the services started pushing ads down my throat even though I paid for them (usually the higher tier)

So I got back to torrenting + self-hosting (had to migrate from Plex to Jellyfin because even self-hosted solutions are turning to shit).