Does YouTube let you choose how much monetization and when? I haven’t published there in a long time. But it seems like the creators don’t have a choice.
The creator chooses whether to enable ads and what formats can run. If the video is longer than 10 minutes, they can also manually place mid-roll ads.
Also, many creators opt for sponsorship instead of (or in addition to) YouTube's own ads - you usually get higher CPMs and you're less subject to the whims of the algorithm.
Sponsorship is literally amount the perfect form of advertising. It is mildly targeted, in a sense that it’s based on the audience of the channel, but there’s no nasty tracking or re-targeting going on. It facilitates payments directly to the content creator, with no middlemen taking a cut.