Quick explanation of Spotify, because it looks like a lot of people here haven't had much/any experience with it:
Spotify is basically a giant library of pretty much every recording currently commercially available in the United States (it varies depending on which country you're in, because copyright and music licensing does too). You can access it for free. If you do, it will play advertising between---NEVER during---songs. One to four minutes per hour---so, shorter than a single commercial radio spot break. It will play them separately, not in a cluster, so people who say radio should go back to four shorter spot breaks an hour can test that theory.
So---the music. 80 million plus tracks. You can grab entire albums and put them in your library. You can grab specific songs (think singles) and put them in your library. You can listen to pre-programmed playlists (dozens of them, from dozens of genres). You can make your own playlists from songs that you've either saved into your own library or songs you're browsing.
And you can make what they call "radio stations" by picking a song or two and having the algorithm create an open-ended playlist that builds off of that. Having programmed radio stations, it usually frustrates me within four or five songs ("Why THAT?"), but your mileage may vary.
The way I made it make sense when I first used Spotify ten years ago was:
Playing back whole albums---that's like 8-tracks in my car in the 70s or CDs in the 90s.
Playlists of different songs---that's like the cassette mixtapes in my car in the 80s.
There are a couple of drawbacks to free Spotify beyond the ads. One is you have a limited number of skips per hour---six. If you don't like a song, hit the "next" button. But after the sixth, you're stuck until the next hour, when you get six more. Also, using free Spotify, album playback defaults to shuffle. You'll hear all the songs, but not in the same order as the original album and not the same way the next time you hear it either.
If those drive you nuts, Spotify Premium is ad-free, allows unlimited skips and plays the albums the way you want. It's $9.99 a month and there's a student rate of $4.99.
Apple Music is very similar, except there is no free ad-supported tier and all the music is high-resolution (Spotify's been struggling to get that done for months).
I switched from Spotify to Apple Music last year and am very happy with it. Part of that is that I use the playlist function for organization and playback of my aircheck collection and it's a much cleaner interface for that than Spotify's.
As for paying for it, for less than the cost of one CD per month, I have access to literally everything that's available.