That is the core problem, if users would simply pay for the services they use there would be no point to track and analyze the shit out of their behavior. Users could be customers again. So the real question is how do you convince potential users that they are better off paying for services directly?
It is of course not that simple, it never is, think for example about people seeing ads for Gucci bags and actually buying them and how they subsidize people which may see those ads but never actually buy the products because they can not afford them and which may also not have the money to pay for services directly.
But I do not think any of the peripheral issues fundamentally changes the core challenges, getting people off of ad supported services.