It's the lack of competition. They know you're not going to stop paying them.
The people making the movies and shows, writes, actors, production crew, all of those, probably do care, but in the management layers at Disney, Netflix, HBO, you name it, they don't seem care about the actual product. While the hell would you work at e.g. Disney, if you don't care about movies, cartoons and stories?
I'd stop paying them, but it always amazes me just how unbothered the average person is to watch 3 minutes of ads for 10 mins of content. Especially when it comes to platforms like YouTube.
I doubt I'm unique.