Most of the Lofi channels on YouTube work with or talk to Lofi artists on a daily basis and they ask if they can use their music in their videos.
If the channel is large they normally ask the artist to sign an agreement which states the channel can use the audio in their videos and keep the money from the videos.
Podcasts are completely free on Spotify at the moment. Thus, Spotify won’t pay you any royalties no matter how many times your podcast is played or downloaded.
How Do I Make Money on Podcasts?
Advertising / Sponsors is the main way to monetize a podcast at present. You will need to create a podcast with listeners and then go out and find Sponsors.