And even if I was swimming in money, it's often easier to just download the shows I want and watch them on Plex/Jellyfin than trying to navigate the (often ad-riddled) interfaces of the various platforms and finding where the content I want is.
One example is Rick and Morty, it's made by Adult Swim, but they don't have a streaming service in Canada. It seems to be on Primevideo but under a different system than their regular content. The other way to watch it is to buy it from my cable provider (I don't have cable). So to watch a 20-minutes animated show I'd have to take a +40$ subscription.
Someone tells me about a show, I add it to a list and then find it later. Throw it up on Jellyfin and I can watch it anywhere using Tailscale (based on Wireguard).
One of the instances that pushed me was "buying" a movie on NFB (the National Film Board of Canada). I could only watch the movie in their player in a browser. But, I had paid 12~20$ for the movie. Instead, I found a Firefox plugin to download the video file and I used Jellyfin to watch it. Being Canadian, lots of media is region-locked.
Jellyfin FTW. I spent a half-dozen attempts over a dozen years trying to make XBMC work such that I was spending more time using it than messing with it (including just getting lost in their UI with an accidental button press and having to figure out how to get out of whatever unfortunate mode I'd become stuck in) and that anyone other than me was able and willing to use it. None succeeded. Painful set-up, painful UI (the themes don't help because they don't change the way it behaves), and you have a copy of XBMC on some XBMC-capable device attached to every TV you want to watch on.
Jellyfin solved all those problems.
Edit settings in a browser, leave the TV UI to do TV UI stuff. Clients on every major platform (even if the best ones are paid on some platforms—my paid tvOS app was entirely worth the could-find-it-in-the-couch-cushions amount of money it cost). Roku, Android, tvOS, whatever. Stream to any computer, tablet, or phone without installing anything. It's great.