I have Apple Music and like it, but I buy new music I like because if the artist decided to take it down, the I’d lose access to music I love.
Not only could you lose access, but you might not even realize what you've lost. Media that is removed from iTunes / Apple Music simply disappears from the library. If you have a large library, it could potentially be hard to remember all of the albums that comprise your collection, even the ones you cherish most.
For those that are concerned with this issue and use Apple Music, consider taking semi-regular "snapshots" of your library's albums. File -> Print -> Album List -> Save as a PDF -> Store in iCloud Drive. From there, you can compare the album count in your iTunes with your backup. Depending on what you are looking for, it could be quite a tedious process, but better than nothing.
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