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.
Also, I don't quite know my feelings on this yet, but there is something real about some shows and movies being part of the milieu. Something doesn't sit quite right about repeatedly increasing the pricing via anti-consumer acquisitions on products that are contributing a substantial part of how the society collectively feels and thinks. It feels like you have to make more money to live in the same society.
Like others have mentioned, media is heavily shaping culture today, and is responsible for a large amount of cultural dissemination and public discourse. And today, to be a patron of the arts, you are looking at an increasingly large library of works which you need affordable access to. Knowledge shouldn't be pay-to-play.
With companies like Disney eating the lion's share, we should worry about what kind of legal landscape a continued, coordinated lobbying effort could lead to. Remember the shock around the DMCA? We still have massive and systematic abuse issues because of it. A chilling effect is well-established.
With the way Microsoft, Apple and other vendors are moving, locked down computing platforms are becoming a silent reality. Thanks to corporate astroturfing efforts, cloud fingerprinting is being normalized as the moral choice. What's next, screen fingerprinting to ensure our greedy, multi-headed subscription serpent overlord always gets its piece of the pie?
Eventually, unchecked corporate lobbying in areas like IP will lead to an inscrutable system of governance hiding behind the opt-in curtain, which completely sidesteps the ever-evolving system of rights envisioned by our past democratic visionaries.
As you point out, there are plenty of utilitarian and/or consequentialist arguments for piracy. From an academically philosophical perspective, these aren't "right" or "wrong" arguments, they're just from a different school of philosophical thought than some other arguments which may dismiss concerns of utility or consequence.
a consequentialist might say: "Piracy is fine because the DMCA causes chilling effects which are bad, regardless of the wishes of the author."
a utilitarian might say: "Knowledge is good for society so piracy provides greater utility for mankind, more than it harms a few authors."
but a deontologist might say: "we have to respect the rights given to someone to reproduce their work, regardless of bad consequences"
All of these are academically valid arguments, regardless of which one any of us subscribe to.