downloading music

I do agree that the people who actually write and perform the songs on these CDs do deserve to be paid for the work they have done and to have the recognition for their accomplishments. But on the other side of the coin, I disagree because the cost of most CDs today are over twenty dollars each. And many people cannot afford to purchase them. They are struggling to pay their bills and keep their homes. I think that since the music that is offered online has already been purchased by the people who are offering the downloads, that the royalties have already been made and this should be legal to do as long as it is for your own personal use.