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I was in the same position until a few weeks ago; mainly used YT for podcasts, downloading videos to watch while travelling etc.
If you have an Android phone, get the NewPipe app from F-Droid. It has pretty much everything that YT Premium offers, but free. It’s been working really well for me.
Resilience is not a binary. We could make a system that’s relatively more resilient against fraud and/or short-term thinking.
I’m sure it’s within the capacity of humanity to improve upon Capitalism. The only question is: will we do it in time to survive the 21st Century?