No, my actual framing is that people don't want to pay for what they use, and ad-block created this generational illusion that you can have things of value made by others for free, and it's a good thing.
The system would topple rapidly if people went back to paying directly.
But there is a huge caveat. The ad internet created a classless egalitarian internet where everyone can pay with attention, rather than money. Almost everyone has equal attention, not everyone has equal money. This is taken for granted, but it's very real.
A payment based internet, devoid of ads and tracking, would be back to the rich people having all the coolest services.
But nowhere in any scenario is "free riders counting on suckers to cover their costs".