Romulus said:
Does one own music from Streaming
No. Not unless you've already purchased it as a download. Some streaming services are also vendors, like Apple Music, so if you've purchased the music, you do own it forever. But what most people call streaming is a free / subscription service to play music you haven't outright bought. It's like paying a subscription to access a record library with 20 million records, but you never literally own the records and the librarian can withdraw songs or complete albums off the shelves at any time for any reason, without notice. But equally, they're a brilliant way of accessing new music from your favourite artists, or discovering artists you haven't heard, without having to buy a CD you might not like.
Romulus said:
is it always the dreaded direct debit payments for the privilege?
Some are free. With free services, the facility is usually crippled in some niggling way to make you subscribe. E.g. you might not get acess to their full library, or you can only listen for a limited mount of time (Spotify once did this), and there are between-song adverts.