I have personally met people who, like me, really don't have cash to splash; but who, unlike me, and to my surprise, have literally told me "I pay for all the streaming services every month, whether I use them or not, there's no way I could be bothered to cancel/re-subscribe". So, from my limited anecdotal experience at least, no, it's not a vast overestimation, and in fact it's probably often not about how wealthy people are either - it's about how many people out there are willing to pay for the privilege of set and forget, rather than having to think about one more thing on a regular basis.