> They need to either start charging everyone for access or stop complaining. I pay for access to a lot of things but I'm not paying money to avoid ads.

Then don't. It's fine. However please don't complain about not being able to get access to the content on Youtube without paying or watching ads.

> I sure as hell am not gonna pay money to watch videos with hard coded ads.

That's up to the content creators, not Youtube. Very few of my subscribed channels use hard-coded apps and if they do they need to make up for it with worthwhile content.