> crowd is mostly all-talk.

I want to pay the small fee, through a simple to use portal, that makes it obvious how to cancel, and if I'm being obligated to a multi month term or not. I also want my payment card details to be perfectly secure and for none of my private information or usage to be sold to third parties.

> who actually pays for YT Premium.

Have you ever asked them "why don't you?" Or "what would it take to get you to pay?" Or even, "would you take a free month to see if it's worth it?"

Point being I don't think the problem is nearly as black and white as you've apparently surmised.