Same here. I'm married, own a house, and have two kids, a decade since I was last called a teenager. I haven't purchased music in physical form since I was 16. I bought a handful of tapes and two CDs. I saved up a lot to buy a CD, and I realized that after just a few days the music got old, so I went back to the radio. I realized that in order to have a collection big enough to *not* get sick of the same music playing over and over again, I'd have to buy hundreds of CDs. At the time, that was an insane amount of money for me, so I just got it stuck in my head that owning music was a stupid waste of money.
Now, I have a cell phone with unlimited (soft cap) bandwidth and a Pandora app. I get all the benefits of owning thousands of CDs of music, and I don't have the hassle of having to pick each song individually. With FM radio, if I hear a song I don't like, I change the station, or more likely, turn the radio off and don't play it again until the next day. With Pandora, I thumb it down, and it is gone for good.
My friend has an 8Gb Sansa MP3 player, totally loaded with good music, the stuff we both like to listen to: Aerosmith, Guns N' Roses, Nickelback, AC/DC, etc etc... however, after just a couple hours of listening to it while we are working on a car or something, I get sick of it and go back to Pandora. Why? Because I can't thumb down a song, only skip past it, and the dang thing keeps coming back. Deleting it is not an option, he paid good money for it.
So, owning music has never felt like a good option for me. I'll stream or listen to the radio, or listen to silence. I would have to spend thousands of dollars to make a collection of music big enough for me, and for that money, I can pay for a premium streaming radio service, or satellite radio, for the rest of my life many times over.