I'm in my (late) 20s and I have a big local collection of music, mp3 and lossless. I still occasionally torrent entire discographies. I pay for exactly zero subscriptions. Many people I know do the same. Some pay for Spotify since it recently became available. Some pay for Apple Music. Some are foolish enough to pay for VK music despite the ability to use ad blockers and modded apps.

In other words, it very much depends on the country.