When you're young being excluded from the principle cultural medium film/television cause social exclusion to done extent. When you can't afford to pay I think this provides a genuine moral reason for copyright infringement. With morally defensible copyright terms it might not.
As you age (30s-40s), generally your can afford more and so access some of these most popular cultural artefacts without copyright infringement; so you should pay. Also, it may become less important to establishing and maintaining friendships and status (like if you find your niche in society).
I don't think those following such a social progression need be aware of it.
> As you age (30s-40s), generally your can afford more and so access some of these most popular cultural artefacts
At my age I have no FOMO, truth is I never had it before either, it might be me or the fact that I am naturally immune to most mimetic tactics, I simply get no reward from social acceptance.
Anyway: at my age I have developed my own moral compass,I pay to go to the movies, I pay for concerts, I pay for records, I pay for books, I pay to watch and listen online content that I think it's worth it (I buy a lot of music from Bandcamp) I have no ethical problem boycotting VC funded services that want to build a monopoly (growth, they call it) and have fragmented the market in ways that "excluded [people] from the principle cultural medium film/television" of their times.
To complement your argument, with the rise of mass culture and mass advertising, marketing to children and youth proved to be lucrative. U.S. culture is mostly youth culture. Market cigarettes to children, and you'll have customers for life. Make and market your movie franchise to young people, and you can keep making predictable profits for as long as you can punch out sequels.
But who has the disposable income? Who is being catered to, really?
also, no ads.
there is nothing inherently difficult in watching unlicensed content.
and downloading has been a thing since I can remember.
Everyone in my age range or younger than me (mid 40s) should know exactly how to do it.
the main two reasons people watch paid services nowadays are:
1 - they have kids and don't want to do parenting, because it's hard, so they buy Disney+ and leave the kids in front of it
2 - they are young and have been educated to them by their parents (AKA they don't pay for it)
3 - go back to one