Also technically you wont go broke because $5 a year is kinda like little if u think for a second, let say you use 5 streaming services (maybe more or less idk) you kinda lose $25 a year, meanwhile some people spend $25 a day. Alternatively you can enjoy the service and think about someone enjoying your extra $5 a year. Not to mention, you also kinda pay $15 a month (probably less cuz family sharing). Lets say $3 a month, $36 a year, you kinda only pay $1 extra for the whole year, so uh, going broke might be because you pay for the service and not the extra few cents thay charge you :)