This is unfairly putting the blame on only one rational actor in a prisoner's dilemma.
Content providers are free to put their content behind a paywall with no ads, but they choose not to.
They choose not to because people don't pay for content when they can get it from other providers who don't use a paywall.
Consumers then are left without the option to pay for an ad-free experience.
But ads are run on hardware the consumer owns, consuming their resources and harvesting personal information on the consumer, which is a security concern.
So even if they want to support content creators by viewing the ads they run, they need to also accept the security trade-off, which many reasonably do not