This is exactly what I am doing.
I am very grateful to the foss community that this is possible.

My time is more valuable than money, but I still pirate. To me it’s not about money but principles.
If I pay for something and still can’t “own” it, I pirate.
If a generous portion of the money I pay isn’t going to the rightful individuals but to our corporate overlords, I pirate.
If my internet freedom is threatened, I pirate.

If someone pirates due to lack of money and one day they have enough, I suggest keep pirating and donate to FOSS and pay to individual creators.