Which failed business decision by Tower Records is widely considered to have accelerated its bankruptcy in 2006?

In the early 2000s, the music retail landscape underwent dramatic changes as digital distribution began to transform how consumers accessed music. During this period, one major music retail chain made a catastrophic business decision that accelerated their downfall. Test your knowledge about this pivotal moment in music retail history that changed the industry forever.

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Refusing to sell CDs online while competitors embraced e-commerce
Investing heavily in vinyl record production when CD sales were at their peak
Opening 100 new physical stores in 2005 despite declining in-store sales
Launching a subscription-based music rental service that required in-store returns