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Yeah, from what I tend to hear from teenagers, I don't think most of them own their music.
The thing with CDs or MP3s is that it takes time for you to build up a collection. If you got started on that before streaming services took off, it's probably worth listening to.
But if you're starting from scratch today, you're basically deciding between listening to one or two albums in your collection vs. all the music you can imagine for a monthly fee. The value proposition of the latter is then just hard to beat.
I believe, streaming services generally don't allow you to add your own MP3s into the mix either, so even if you get a cool CD/MP3s from a local band that's not on these streaming services, then there's still not much you can do with that.
Apple Music allows you to add arbitrary audio files to your cloud-synced library. I believe it will even generate streaming revenue for the artist if the file is recognized to also be in the catalog of iTunes Match (but I'm not sure on that one).