I struggle with the affordability argument, because in most cases where piracy applies the products involved are non-essential; I can live without it, so if the relevant owners of the product are charging more than I believe it's worth (or simply more than I'm willing to pay regardless), shouldn't my default perspective be "guess I can't have it then" and move on? For example: I don't care how good some of the upcoming Nintendo Switch 2 games may be, I have no intention of paying upwards of $90 for them. But that doesn't mean I'm going to pirate them; I'm just not going to play them at all. Even disregarding the multitude of alternative products with far better pricing (Hollow Knight is $15 at full price and often goes on sale), there are other things I can do with my life in lieu of playing video games.
That being said, I regularly pirate music (that's what brought me here, after all); I've even contributed to providing pirated albums in the past. To be fair, I do usually restrict myself to things that are literally impossible (or unreasonably impractical) to acquire otherwise. There have been times when I've temporarily pirated a soundtrack that was available for purchase but did not have a means of preview; this is usually born out of paranoia, and I often will purchase it later anyway. Yet given my own argument concerning non-essentials, I sometimes doubt the validity of my own justifications. Theoretically piracy is a form of theft, where ownership is attained without compensation to the provider. But I feel there are a multitude of nuances to the modern practice, mostly contingent upon two primary points: first, modern piracy is almost always concerned with digital products, which have little to no manufacturing value, thus minimizing any potential loss; second, modern piracy is primarily focused on products difficult to obtain "legally," potentially shifting consideration away from the act itself.
Ultimately, any concern I have with the practice is restricted to those who openly exercise it despite having alternative means, and even then I hesitate to assume the worst. I would encourage legal acquisition first, and abstinence second, but I acknowledge there are some cases that seem justifiable, even if I'm not completely confident of the degree thereof.