> You've been paying for, let's say, 3 years - $360 - and what do you have to show for it?
The answer is 3 years of music enjoyment.
Honestly, this seems like a terrible example - I don't think anybody pays for spotify on the basis that they will have the music forever, it's very explicitly a rental service. Instead, people pay because it's the most convenient (including being cheap) way to access the music they want.
> While I'm not a CD junkie, I find myself clinging to the model you mention, because I am not eager to hand over control to a company that continually required me to pay
This doesn't really make sense either. If you don't like rental services, don't pay for them, buy the albums just like you always did - it's easy to buy DRM free mp3s nowadays.