Bandcamp is great for music downloads

It depends, sometimes you can “buy” digital ownership from these places in the form of DRM-free files. If you are able to download the DRM-free file and make a reliable backup of it, then I could call that actual ownership. This is how I approach my music and ebook libraries. I don’t do subscriptions for streaming anything but TV.

You can even buy books directly from publishers. Recently I wanted a hardback copy of a book and it was out of stock, backordered, or absurdly high priced on all the big popular online places. Ended up ordering it for MSRP from Penguin Random House direct.