Personally I don't, I can't tell if that's because of my sudden disposable income, or because of how well Nintendo has it this time around though....
Ironically it is because of disposable income that I pirate. I can easily afford a second switch, and I couldn't care less about online because 99% of online content is repetitive match-based gameplay that I can't justify spending the time on when I'd rather play as many different games as possible.
So, I can't justify buying dozens of games when most of the time I only "taste" them, and I haven't gotten deep into anything multiplayer since WoW and StarCraft 2 years ago.
I can't even tell if I'm banned on my second switch. I've never attached an account to it, but Nintendo still sends me free updates to everything. If every ban is now a cert burn, that must mean I'm not banned, right? Otherwise I would have to make an account to check... but I don't care to.
My primary switch is only used to play the cartridge games I've bought, the eshop games I really love (like Dead Cells and Celeste and Stardew) and to check the eshop once in a while because its easier than googling for new releases. I couldn't possibly care about anything online at this point.