Then think “I’ll figure it out later” but you never do. Only to be reminded of it a month later when you happen to see it scroll by in an apt-or-whatever package upgrade.

“Oh yeah, I forgot about that. I should check that thing out again” you think to yourself. But you never do. Repeat for eternity.

Good lord yes

I use Mullvad so naturally, I can pick my exit country. Since I’m an iOS user (aka, no NewPipe etc) I always choose an exit country that is majority non-English-speaking. It makes the YT app adds so much more bearable if I can’t understand what they’re saying.

pricing via algorithms

This is essentially what all insurance is. Actuary tables, risk analysis, so forth. All math with the single purpose to ensure that over the whole risk pool, the House wins.