It's similar to if someone was to issue a chargeback to your company, the bank won't say "this person issued a chargeback but it'll come out of our pocket" because it will be open to abuse and could (potentially) be heavily abused by malicious actors / criminals to make a fortune (reselling etc) at the expense of the business.
Banks are simply processing purchases for you & they're providing you with a method for doing so, you can always use another bank / platform or even "make your own" in theory if you disagree with their practices. But you can't really expect a business to foot the cost of your viewers refusing to follow their TOS / through watching ads or paying for premium. I'm pretty sure Patreon (which although not exactly a "white knight" still a better option than YouTube / Google) wouldn't be footing the cost for chargebacks or abuse by a creator's viewers.
That said, the biggest argument on the creator's side is that they are spending $ / time on production, they are then footing the cost of this at their own expense/risk - but they are then only receiving a tiny % of the profit even if it does do well. YouTube then successfully makes 2x / 3x / 4x what all of their creators combined will be making through their platform, and the only reason they still can is because there is such a giant monopoly held. Anti-competitiveness doesn't seem to really apply to Apple / Google / Amazon, even though they will intentionally go out of their way to either buy their competition or run them out of business (and they'll use malicious methods like misinformation campaigns / push media that is against their practices - that is then receiving higher ad revenue & they are basically being paid for taking the giant conglomerate side - being bought off in the process 😄)
Without user trust, YouTube simply wouldn't work (people would not watch it, maybe they'd jump to twitch instead as a decent example) - but you can only really jump between one giant evil corporation to another, because the rest cannot survive in the competitive environment because they only have the one honeypot & only one hand, while the other businesses are stacking their honeypots in warehouses, all of the bees just visit the warehouse because it's cheaper & has been there longer & is guaranteed to keep supplying honey, even if it's extortionate/abusive/malicious practices going on...
Google has spent a vast fortune on first establishing a monopoly on a product, followed by over-monetisation & anti-competitive practices to then make it a fortune back in revenue - if it fails it simply discontinues the product and makes a new one (and keeps getting hype along the way)
What I did like in the article was the consideration given to the quality & safety & security of the ads being presented. Imagine if you were watching a show on Netflix. You see a recommended show, click on it then get a big red popup "suspicious activity detected, sign in with your email & password to continue watching" - you do so, and continue watching.
The following day you find out your email has been hacked, on malicious actor side all emails have been downloaded / categorised and now issued password resets on every login system you use without 2FA enabled, including seeing your bank information as you've shared a picture of your card directly with the bank in the past. Now you have no social accounts & all of your friends have received a link to watch the show as "it was great!" and anyone that went to it also got compromised too.
Who would you blame? Is it my fault for logging in while using their platform? Is it the provider of the show that takes responsibility? No, you would blame netflix for providing you with content that was unsafe / malicious - and you'd probably be suing them over it.
The fact that Google / YouTube claim ownership of ads / user generated content yet refuse to claim ownership for ad content provided by them is crazy