Like the analogyStreaming? Is that like renting music?
If all you do is stream - but not download - then the analogy is exactly right. If your streaming service goes out of business, or becomes prohibitively expensive, you've got absolutely nothing to show for your expenditure.
I still buy (good quality) vinyl, CDs, SACDs, Blu-rays, download FLAC and DSD files - and subscribe to Tidal HiFi. I find Tidal particularly useful for evaluating an album before purchase. Downloads are stored on my main PC, stored and sometimes streamed from my QNAP NAS, and also backed-up to another external hard drive. However, with my purchase of a Denon DCD-2500NE SACD player, I am now burning downloads to CD-R and DVD-R, and playing directly from the Denon.
I prefer physical media, because it is not subject to unpredictable external influences. Streaming involves passing digital data through a number of electrical pipelines and network nodes. I don't subscribe to the "0's and 1's" argument either - digital data transmission involves error correction systems (as do CDs and SACDs) and added digital 'noise' - I don't have as much faith in end-to-end maintenance of sound quality via streaming as in physical media.
Increasingly though, I try to be very careful as to how a particular album has been mastered. As we all know, there is just too much music around these days that has been subject to lunatic levels of loudness boosting and dynamic range compression - principally for the .mp3 player community and/or those who don't appreciate high quality sound. Mind you, I've also returned a few vinyl pressings which have been subject to the same abuse in the 'remastering' process. I first became aware of this abuse when I (foolishly, in retrospect) bought a set of Alan Parsons albums which had been 'remastered' - excruciatingly bad. I went back to my original CDs, and again enjoyed the music as it should have been.
I tend to stick to pressings from Mobile Fidelity and Music on Vinyl, for any vinyl purchase. 180g vinyl means nothing when the mastering was screwed in the first place...
When (if, in my lifetime) the day comes when physical media is no longer available, then downloads will be my main source - backups being essential.