To the consumption part, I have given more money directly to more artists via discovering them on Spotify then attending their shows and buying their merch than I ever even came close to back in the record buying days when record companies were screwing their artists anyway.

I know quite a few bands personally who will never attain Taylor Swift levels of wealth, but they've got a business model of touring and merch down to a science that affords them a nice living doing what they love. This also includes tons of accessibility and fan interaction that very much didn't use to be a thing.

The savvy DIYers are sidestepping the entire record company schematic and using streaming services as effectively free marketing.