Have online streaming services like Spotify reduced our willingness to pay for music?

I completely agree that the relatively recent boom of online streaming services has diminished our likliness to pay for music. With Spotify for instance, an individual can listen to almost any track they like, at any time of the day (internet connection providing) for free. Listening to a small number of adverts is the only payment necessary for this wealth of music. It's possible to create playlists to check back to, as well as find other people's playlists too. With internet connectivity improving all the time, it is getting less and less of a necessity to have music downloaded to a portable offline device. This is true with the physical format too. In our cars and at home we can now connect our phones to the speakers. All this means is the need for a file to call our own, albeit digital or physical, is on the decline. With music so readily available for free, people are surely getting less and less likely, and happy, to pay for music.