You bring up Taylor Swift, but here's the real-world example that kills your argument: Emily White, an indie songwriter whose songs got millions of streams while she made practically nothing. Fans pirated her stuff because they assumed she was rich, and it wiped out her income. You're right that some artists are overpaid, but piracy doesn't aim at them. It's a sledgehammer that hits the session musicians, the producers, the struggling indie artists just as hard. The overpaid star absorbs it; the little guy doesn't. So your moral calculus only works in theory, not in practice.
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