I infrequently use Bandcamp when I specifically want to support/encourage a particular artist I enjoy, and to own/keep lossless digital copies of their music. I've never had any issues with incorrect charges or misuse of my credit card on Bandcamp, but I use a virtual credit card number through Privacy.com to hide my real credit card number.
Primarily, I use an Apple Music subscription, as my family (or up to 6 people) can share the subscription for one monthly price of $16 USD. Back in the day, I spent way more than that on vinyl, cassette, and CD purchases per month, but now I have accesses to anything I want whenever I want to hear it, and I like that all my friends and I can connect and see what we are all listening to currently. Also, Apple Music just added InTune to their radio service which allows me to more easily connect to indie internet radio stations like Bagel Radio to discover new indie artists.
I'm also blessed where I live to have a local record shop that still (since 1983) sells new and used vinyl for hundreds of artists. If they don't have it on hand, they can usually order it.