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Easy: YouTube. You cannot purchase a completely ad free experience on YouTube.
Creators including ads in their videos are not part of youtube. Youtube does not get a cut from those ads or play any role in making them. I know it's confusing, but those ads are part of the creator's videos that the creators put there themselves with deals they brokered outside of youtube.

Youtube likely tolerates it because even with a 60% revenue share going go creators, often half of viewers pay nothing (no ad views or subscription), so sponsored segments can fill the gap for the creators.

Note that Youtube premium does include the ability to skip sponsored segments though.

YouTube Premium still has """promotional""" content (read: ads). Ad cards, ad footers, etc.

https://www.reddit.com/r/youtube/s/8CHWGReiQt

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YouTube has control of their platform. They have enough control to detect and demonetize people when they say such "harmful" and "dangerous" words as "kill" and "sex". This is further evidenced by the fact that they provide the sponsored segment skip feature that you reference[0]. They know this is going on and they allow it, despite it ruining the service that members pay for.

If content creators can't live off of the ad revenue that YouTube offers, then that is another thing to lump the blame of at the feet of YouTube. They not only turn a blind eye to content creators ruining the service I pay for, YouTube is the one themselves who has created the conditions in which the content creator feels the need to pursue external advertising.

There is obvioulsy enough advertising money in the world to support both YouTube and content creators, because that is exactly what is happening right now: advertisers are paying either YouTube or the content creator directly. For some reason, a lot of content creators can't make it by just working with YouTube, despite there being enough advertiser demand for it. That tells me that YouTube is being stingy.

[0] Which, BTW, many content creators are not properly marking up their videos to allow for the skip feature to work.

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