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I pay for Netflix and barely use it. But the one family member who has my password watches it a bunch. So I don’t feel bad about paying for it at all.
Would you ever have the family member pay instead of you paying?
No. If they blocked me sharing passwords I’d probably just make an account for the family member and pay for that and miss out on the 10-15 hours of value I get out of Netflix every year.
Same, I have Paramount, Hulu, Netflix, etc. I watch maybe 10 hours a month that isn't YT Premium and Nebula. My ex uses the streaming services way more than I ever would. But I wouldn't change a thing. If they start clamping down on it, I'd bitch cancel and maybe renew a couple of them a couple months later.
YouTube I pay for because I watch it a lot.

Hulu used to have a ton of NBC procedurals and now it has less but I have some Disney bundle.

I recommend privacy.com for all these services in case they jack up their prices.