Yikes you need to readjust your world view a little bit. I'm in my early 30s and own over 10,000 music tracks with most of them in lossless formats for the best sound quality. Why do I do that? So that when I am in the middle of a long road trip with spotty cellphone coverage I still have ALL my music with me. I also have all my music during a flight as well as when I'm in an island vacationing in the BVI.
Don't assume everyone else shares your limited needs...
The faulty USB Media Player in our Tesla is the one feature that I gripe about almost daily and really the one issue with the car that I wish they would fix. There are many reasons for why someone would want to listen to their own music and the reasons I offered are just a few out of many.
You know what I find really confusing about your condescending tone? You deride people who own their music as old folks who listen to 8-tracks. Have you perhaps considered that some go that route because they down want to listen to a salad of highly compressed sounds played over streaming audio at the whim of spotty cellphone ceoverage? When you compare a library of high quality music played over USB to streaming audio, it is the streaming audio that is 8-track IMO.