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If you're just a bit tech savvy it's useless, there's nothing of worth Premium offers that you cannot get for free (maybe 4k stuff? I don't use it personally). As for supporting content creators, I prefer to donate without YouTube getting a cut. I don't care if the platform dies, substitutes with better financing models will take its place.
I could give each creator I care about $0.25 a year and it would be more than they would get if I watched ads.
That's really just not the case at all. It's perfectly doable to get $5 a month per ad free user, so depending on how many creators and videos you watch they'd get that amount out of you every couple of weeks
Probably yeah, it depends how often you watch videos. I would much prefer a tip-based system than shoving shitty ads on everyone and blaming the consumer for getting around them. They make enough money by stealing my data.