$20 CAD gets you a family plan that you can share up to 5 people, so $4 CAD each.

Not sure what you're on about. If you're paying $20 for Spotify you're getting ripped off.

Or you can pay $25 CAD for YouTube Premium, share it with 5 people, and get both YouTube ad free AND YouTube Music for $5 CAD per month.

I'd rather pay $4/$5 per month to access millions of songs than $20 for an album that I will get bored of in a few months, thanks.