The reality in 2026 is a bit more mixed than some make it sound. Netflix did enforce their crackdown, but the way people adapted depends heavily on what plan they're on and where they live. If you're on one of their standard plans with extra member slots included, you're fine - you just pay a bit more and add household members legitimately. But if you're trying to share across actual different households (like family in another city), that's where it gets tricky. Netflix's system checks for that now, so you'd either need separate accounts or accept occasional warnings/throttling.
What I'm seeing isn't everyone rushing to pay for separate accounts - that'd be expensive for most households. Instead, most people just upgraded to a plan tier that already bundles in those extra member slots, which ends up being cheaper than running multiple full accounts. The paid sharing add-on that Netflix offered for a while is less common now since they've mostly rolled it into their standard tiers. So yeah, you're paying more overall, but not dramatically more than before if you pick the right plan.
The key thing: check what plan you're actually on right now. If it already says something like "includes 2 member profiles" or "up to X people," you're set. If it doesn't, upgrading to the next tier that does is usually your cheapest move. The days of truly free multi-household sharing are gone, but that doesn't mean everyone went full separate account mode.