* You don't have any control, if some paperwork fucks up you can lose access (rarer with music but very common with video services)
* They don't have a lot of rare stuff, demos, EPs, singles, dubplates, etc.
* You can't choose which version of an album you want.
* If you run out of money for whatever reason you can't listen to music.
* Offline is unreliable.
* Screw having my taste and discovery defined by an algorithm
* Artists get fuck all money compared to buying stuff off of Bandcamp/buying CDs and ripping them, even if you still pirate a lot of stuff.
* They have questionable ethics as a company.
* No lossless.
* When you curate your own collection you develop in my opinion a deeper relationship with it.
I have to rent my home and most other stuff in life, music is one of the most important things in the world to me. I'm done with renting that.