You only need a single music subscription service in your life. You don't need to keep 3 of them like with film and tv. Nearly every single song you can think of is available for you to listen to at any time of day. How is that not infinitely better than having to buy every single song?
The fact that it "adds up at the end of the month" is entirely up to your own money management. Like another poster said, everything in life post-covid has gone up in price. EVERYTHING. Literally a plastic grocery bag that used to cost 1kr (my country's currency) for the longest time, now costs 5kr which is absurd.
But subscription services cannot go up in price?