Seconding your ending statement there: I make good money, and I pay for a lot of software to make my little life spin along, and the little bit of theoretical piracy I consider doing, satirically of course, is far more to do with how onerous the procedure is to acquire the product legally than anything about it's costs.
Movies are a great example. If I can stream a given movie on any of the services I already purchase, obviously that's great and I'll do that. Failing that, I'd like to buy it on iTunes as I trust Apple a little more than most others in the space (YMMV). Failing that, if I can buy temporary access on Amazon Prime/YouTube/Whatever, sure. If however I'm essentially expected to fork out yet another $10-$20 on yet another subscription with yet another mediocre app that will slow my Apple TVs to a crawl, or worse, demand the right to shove ads in my face... no. Pass.
I also ditched Photoshop's $10/mo subscription after years because the quality of it just kept going down. I remember being so excited when the first update for the M1 Macs dropped, and Photoshop suddenly felt to use like it did in the 2010's; snappy, performant, efficient. And it took barely 3 years for Adobe to manage to bloat it up so it ran like shit again. So I dropped that and spent $50 on Affinity Photo and I couldn't be happier. Granted some things take a few more steps to do in Affinity, but those steps are all quick, snappy and responsive unlike seemingly every action in Photoshop.
It blows my mind how the software and larger entertainment industries refuse to learn the lessons of Steam. Steam isn't perfect, of course, it has it's issues here and there but it made great strides to reduce piracy not by locking the products down so hard and with such onerous software/rootkits/DRM but instead by just making the idea of buying and getting the game so obtusely convenient that pirating it is more work and why spend hours downloading questionable software and carefully going through an installation procedure when you could just wishlist it there, wait for it to go on sale, grab it for $10 and have it in the time it takes you to make a coffee?