> Now payment processors and banks also get a share of the surveillance cake.
I agree this is a problem. I work on Bitcoin and the Lightning Network, so that's my preferred solution to the problem, but there are other approaches to addressing the poor state of privacy and payments too. I don't think that that being a problem means that the relationship we have with advertising isn't as bad though.
> If rich people move to subscriptions, this subsidy ends.
There are plenty of examples where this is not the case. The freemium model exists in places where injected advertisements are not the norm, such as free to play games. Fortnite whales subsidize millions of low income players to get a high quality game for free. Whether or not you think the relationship between Epic and its players is another question, but it's a model that can continue to exist without advertisement. Especially when free users are necessary to provide content for paying users, like posts on Twitter or Reddit, or players in a game.
Granted, the difference between the tiers may be small engouh in some cases for this to be an acceptable compromise, but the principle is still the same.