I was thinking more along the lines of the rich traditions of folk music. I'm peripherally involved in the fiddle music scene, so I have some contact with this. The sheer quantity and variety of folk tunes, songs, and styles, is huge, and is probably the tip of the iceberg. This is why I think that people were rich with music, even if they weren't necessarily immersed in it 24/7. But cost wasn't a barrier to the enjoyment of music.

Sure, people with more disposable income could enjoy more formal, and perhaps more professional, musical performances. The growing middle class created demand for music and other forms of entertainment.

Music was taught in the schools. Even small towns had a bandstand in the park. Music was used in public ceremonies, including church. Any tavern was likely to have a musician, paid or not. Sometimes the pay consisted of food and lodging.