Yeah, split payments across multiple streaming services can get tedious. Though I agree with you for the most part, piracy comes with more hurdles even with a fancy automatic setup.

But really the most important benefit of piracy is the one you're already taking advantage of. The cost would be significantly higher if they had a true content monopoly, instead they have to price with the idea that should the cost be too high, the inconvenience of piracy becomes increasingly worthwhile.