I'm interpreting your comment as you're using ad blockers and also not paying for a subscription.
If that's the case, it's probably true that robbing YouTube of the revenue to cover their R&D and data center costs is covered in whatever insurance and investment risks they manage.
However, also robbing the content creators you're enjoying of the revenue they need to fund their content, is definitely in some unethical grey area. Still true, even if the creator makes only a fraction of their total revenue through ad sense.
If that's the case, it's probably true that robbing YouTube of the revenue to cover their R&D and data center costs is covered in whatever insurance and investment risks they manage.
However, also robbing the content creators you're enjoying of the revenue they need to fund their content, is definitely in some unethical grey area. Still true, even if the creator makes only a fraction of their total revenue through ad sense.