I pay for Spotify for several reasons :

1. Unlike Netflix & co. for movies/shows, the catalog size is satisfying on Spotify & co. for music ;
2. Remote playback and volume control over Internet (branded “Connect”) ;
3. Contributing to creator revenue.
4. Voice assistant compatibility ;

Yet, I use a family subscription, which I share with strangers, because Spotify increase their prices often, and my wallet doesn’t like that.

Fun fact : when Spotify realizes someone’s doing that and prevents new people from joining (which only happens when people join and leave a lot), creating a new account with a new family subscription (even with the same IP address, home address, username and bank card) and moving everyone to it works fine.

In terms of bank, I recommend switching to one that won’t block you for travelling, like Revolut

Lol, feel free to discard it as an option for your government agency’s social account 😂