It’s also easier to pay for something that I feel I’m entirely getting as a treat for me. Sure, that snack is $5, but it’s all a “treat”. Software often doesn’t feel like a treat to own, outside of games that is, having to pay for apps you’d just use in every day life feels emotionally more like an annoying tax you have to pay to just continue existing, just like an electricity bill or something. I honestly think that’s the main psychological difference that people aren’t considering or even mentioning.