It is not just about youtube. The whole internet is bloated with ads right now, and the vast majority of them quite the opposite of discrete. I just cannot browse the internet without adblocker, it is too slow, but more importantly too distracting. I could count the times that I have found an internet ad interesting in my lifetime using half the fingers of one hand. Personalised or not, the vast majority is useless,…
Ad-blocking also gives you similar if not more extra security to anti-virus software, with fewer downsides (faster not slower). I'm afraid the ad ecosystem is so big that occasionally, threats slip through.
The payload would then proceed to hijack the browser and intercept sessions to the most popular online bank, allowing it to redirect funds behind the scenes without alerting the user.
That's the point when I realized ad blockers aren't a nice-to-have, but an essential protection element.