So,... Either you are still buying CDs or you only listen to very old music. Assuming you are not a dinosaur, still listening only to oldies then the cost of a few CDs a month is more than the cost of Apple Music.
Actually, I do know someone like this. He is pretty much stuck in the late '70s and early '80s and listens to the same 20 or 40 hits from that era, over and over and over again. Someone like that really has no need for subscriptions.
I've got a year of free Apple music because I bought both a Homepod and a Mac. I may just buy one or more new Homepods. They work well with Homekit. I might never have to actually buy a music subscription