I can easily construct a system in which we can do business without you knowing my phone number. I can’t do the same for music. If I can’t hear, and perhaps record, the music, why would I pay for it?

To go from “different people value things differently,” which is true and important to “should allow for similar forms of protection.” is a big jump over the different realities in the need to transfer information.

When the music companies can deliver a service without me having a chance to record it, they do. (Eg, searches for recording devices at concerts.) I should be able to demand the same: Businesses should take reasonable deposits in lieu of offering me credit, and then treat the account the same as they treat other accounts.