This take is prevalent but not really true.
You can subsidize the cost of a full subscription by having ads.
I know that society at large is mostly hopeless, but here on HN we generally have the mental firepower to comprehend "It's a sliding payment scale from no ads to all ads"
Edit: You guys are welcome to be upset by this, but if you think it's wrong, please correct me. Ideally without using the one counter example of cable TV in the 90's. Monopolies bring bad behaviors.
No, if a company gets enough leverage the top plan will demand both payment and ads. We've seen it before and we'll see it again.