Mine is this: I have tracks that aren't available on any streaming service. I've also been buying music on CD since 1993, and online for 10+ years and have over 120k tracks which will never "become unavailable". My playlists will never disappear. I'll never pay another cent for them this music for the rest of my life. The money you pay to rent music each month, I use to buy another 2 albums and a bunch of tracks, so my collection constantly grows in the direction I want it to.
Bandcamp makes much more sense to me. Listen to music online as often as you want for free (without easy custom playlists that I know of, although they make some playlists and it is easy to play a bunch of music from particular publishers) and purchase if you want to add it to your collection (flac format) or support artists.