Indeed. And that’s without considering that a lot of SaaS stuff on the consumer level lets you cancel at any time. Ok, you can get burned for 30 bucks if it turns out not to be all that useful, but the full packages are typically priced somewhere between eyewatering and “ARE YOU FUCKING KIDDING?”, and they always have been.

A perfect example here - GeForce Now costs like 20 per month, cancel whenever you like. A 4080 gpu costs way over a grand. It’s up to you whether you prefer to own, rent or not bother at all, but it doesn’t take a lot to convince me to spend 20 bucks, but it does take a lot to get me to stump up for a whole new PC.