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It is not just $12/month for YouTube that is the problem most people have to budget for all their content consumption between streaming services, sports subscriptions , music subs, newspapers you can easily spend upwards of $300/month , that is not including other productivity tools Saas you could end paying for like o365 , Dropbox and so on .
YT would be the one easiest to cut because you won’t loose access just have to put up with some ads unlike everything else .
For many not seeing ads is not worth $12 a month , for some like you the value is enormous so you see it as worth paying .
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I personally stopped paying for YT premium because I get most of the content from Nebula what I used YT for, at 1/10th the cost.
Also there is no way to disable Shorts and they won’t improve the by design poorer implementation on Firefox; both these make my experience using the platform poor even if I pay for it so I don’t bother.