Taylor's right that music is created by someone (the writers, the producers, the ones who record the musical instruments, the singers) and that someone should be rewarded for his / her work just like you are when you sell cakes you baked or earrings you crafted.

But on the other hand I agree with Shakira a bit because it's still better when you stream on Spotify or something than when illegally download it from somewhere. So be happy that people listen to your music legally.