As per post #2, "it depends" - I subscribe to Netflix because with a 4 month old baby we don't get out much, so tend to watch a film/few episodes of a series almost every night & it's cheaper than buying 10-20 blurays/DVDs every month.
The other thing to take into account is the non-monetary "value" that it adds. Netflix has the convenience that we can stick it on wherever we are - don't need a bluray player connected to every TV or mess around swapping discs etc. even used it when we went away for the weekend a couple of months ago - just stuck our account details in the TV at the house we were staying at so we had something to watch in the evening.
Spotify is similar. Don't need to mess around with CDs or ripping them to the PC then copying them to various USB sticks/devices, just "Alexa, play XYZ", or plug my phone in to the car and stream whatever. Spotify also has the benefit of suggesting similar artists - I've found so much new music to listen to since I subscribed, which never would have happened if I was still just buying CDs.
For games however, I don't bother - I don't have the time to play much at the moment, so e.g. paying £8/month for the xbox game pass doesn't make sense when it might take me 2-3 months to complete a single game which I could have bought for £25. The xbox pass is also less convenient than buying games on Steam. The files are encrypted which has caused me some issues, and it doesn't play nicely with Steam link - which basically means any controller/couch games are out of the question.