[TeMPOraL]

You make very good points, but I'm not sure if you correctly identified our point of disagreement - because I believe there is problem with subscription model itself (at least for individuals, I get the capex vs. opex incentives for companies), on top of the problems with unsubscribing.

I was readying a long comment addressing your individual points, but I realized I can compress it all to this:

The overall reason why I prefer ownership of durable goods over subscriptions (and the planned obsolescence economy) is reduction of variance in opportunities and quality of life. At the time when I have the means, I can buy something. If I have less means or that something is very expensive (e.g. a new car, a house), I can convert it into a "subscription" myself using my bank, via various forms of loans and installment payments. And then when I go broke, I can still use the thing I own, perhaps to help myself get out of the predicament. Subscriptions bundle this all together, making the utility directly dependent on my cash flow, prevent me from optimizing the value I derive from them (through ToS that limit a lot of non-standard use cases), and deprive me from the ability to use a good in the time of crisis.