The rule of thumb according to youtubers is that 1000 video views is worth about $1 of ad share. Youtube's ad share is about 50%, so 1000 video views should be worth about $2 of ad money for Youtube. Youtube Premium costs $12 a month which is equivalent to 6000 video views per month or ~200 video views per day. If I'm on a very youtuby mood I'll maybe watch 10 videos in a day. So, best case scenario, paying for premium comes with a 20x markup.

So your conversation actually goes:

HN/Reddit: "I would love to just give you the money directly instead of watching ads in exchange for advertizers giving you money."

Companies: "Sure, here's the ad-free version. You have to pay 20 times as much as the advertizers do though."

HN/Reddit: "Wait, what? That's bullshit. Why?"

Companies: "Fuck you, that's why."