By your definition of harm, no artist creating non-material goods (books, movies, music, etc) could ever experience harm due to any one individual’s actions. “I was never going to pay, so taking it without paying is a victim less crime,” etc, etc.

False. I acknowledge that there could be harm if a consumer would otherwise be able to afford to pay for all of the music they listen to. The distinction here is that if a consumer is already spending as much as they can truly afford then artists aren't going to get any more money out of this consumer, regardless of whether or not they pay for it.

In other words: if you pirate because you must = no harm; if you pirate because you can = some harm.

That's an interesting thought experiment about the cheating spouse, though. Thank you for the interesting perspective! This makes me want to re-visit my philosophy notes.

For the record, I pay for Spotify and also support artists through Bandcamp, merch, vinyl, and live concerts. I also pirate music which isn't otherwise available through Spotify and/or Bandcamp (e.g. The Grey Album by Danger Mouse, and up until recently The Flamingo Trigger by Foxy Shazam) and don't feel guilty about those instances.