I think some of it boils down to time and interest. There too many other diversions. It does take some nurturing to appreciate music on a deeper level than on a phone and earbuds. If I was starting out I would stream (CD quality or above) with high quality headphones.
Where are the young audiophiles?
I find it alarming that 95% of all audiophiles are seniors.According to a consultant at my local HI-FI store,young people don't seem interested in high-end equipment.They listen to music on their phone.Sooner or later, all the great neighborhood HI-FI stores will not be able to remain open. Kind of sad,don't you think?