It's all relative IMHO.

Until 2-3 years ago when I added Tidal to Sooloos and then Roon, I was buying 5-10 CD's per month. It was/is my hobby so I had absolutely no issue with that.

I no longer buy silver discs of any sort (music or film) and by comparison the £20 for Tidal to be OTT. SKY TV costs me £100 per month by comparison. I do wince at that especially as my ££'s contribute to the ridiculous transfer fees for the likes of Neymar to PSG.

I access way more music on Tidal than I did buying those silver discs.
I never add to the library anything I don't like (I did have a load of CD's I didn't rate much). Plus I don't have to store another 1000 CD's somewhere.

That I access a lot of MQA on Tidal is the cherry on the top.

YMMV

Rgds,
Nick