I hate this phrase, it is not a good analog for the situation and it slanders piracy. I understand the idea behind it and I hate the streaming/renting/digital purchase model as much as the next guy.

If you don't want to pay for streaming own up to it, buy it on physical or steal it (make an illegitimate copy). But don't pretend you would pay for it if it was delivered in a different agreement.

Do you expect to keep driving a rented car forever? Even if the car is only available through rent?