You’re absolutely right in that it’s a risk.

But you can always buy a CD or digital album and rip the DRM off it. Or pirate it. Assuming you care enough to do that anyways.

Me, I’m not really a music fan. Only reason I have YT Music is because it’s included with YT Premium. So it’s not going to bother me much if certain songs or albums disappear. I’ll just listen to other stuff. Music is merely background noise to me.