20 bucks for a CD is stealing. Downloading music without paying is stealing. It's a back and forth. You got the industry charging way too much money for CDs (especially when, generally, artists don't receive that much in the way of CD royalties), and then you got people saying "enough of that, we're going to find ways to get it for free." That's why you're always going to have people arguing about whether or not it's wrong.
I download. Ideally I'd buy every CD I could moreso for the complete package but I'd have to be dumb to not know that we, the consumers, run the mainstream. If we all bought black metal albums (in North America, you already have places in Europe where black metal is huge and runs charts), then you'd be seeing black metal bands all over the place. We could use our money to dictate what is popular and whatnot, but that's hard considering a lot of people don't even know a genre like black metal exists. But yeah, in this way, paying for CDs would be great, along with giving a few cents to the artist but more to an industry that extorts their artists and treats them as product instead of artists. I get it, art can be commerce, but art is art first and foremost and you read about artists not even having the creative freedom to release the albums that THEY want to. Because it's not financially secure.
But then, on the other side of the coin, you have downloading helping a lot of underground artists. Without it, a lot of bands that wouldn't have made it before can make it now. People will still buy albums, but downloading has helped expose more bands to more people.
When you look at peoples playlists on their computers, what do you see more, full albums or just a few choice songs? What does this tell you?
It becomes pretty obvious at this point that we need to stop arguing about what's stealing and what isn't, and change a few things. Any decline of music sales probably has very little to do with downloading (though sure, it "helps"), and more to do with a shitty fucking system set up that values money over art.
I'd be willing to say that the music industry killed music, but that wouldn't be entirely accurate since we still have music. But it's definitely trying... and that to me is a bigger tragedy than a 13 year old kid downloading the new 50 Cent cd.
I've spent way too much time on this post and I think I left some thoughts unfinished but oh well, I'm sure someone will point that out.