It’s not only about copying or distribution, but also use and reproduction. I can buy a legit DVD and play it in my own home and all is fine. Then I play it on my bar’s tv, in front of 100 people, and now it’s illegal. I can listen to a song however many times I want, but I can’t use it for anything other than private listening. In theory you should pay even if you want to make a video montage to show at your wedding.

Right now most licenses for copyrighted material specify that you use said material only for personal consumption. To use it for profit you need a special license

Copyrighted material can be used or reproduced only with a license that allows for it. If the license forbids you from using the copyrighted material for business purposes, and you do it anyway, then it’s pirating.