I'll add a 5th class. Those who pay, can't use the crap they get for some reason, so torrent a functional version. I fit this category often. Got out a Sopranos series. DVDs wouldn't play over airplay for some DRM reason, and torrenting was quicker than ripping. Another time it was getting a Windows install onto a MacBook Air was so painful that a torrent was easier than some horrid workaround that involved a 4 hour drive to get a disc and a disc drive as no legal method of getting a download was available (from memory it was Widows 7 about a year and a half ago, but have struck the issue of having no legal download available with legacy Widows versions at other times too).