1. In this case, the service is disconnected from your data. With Google et al., your data is the product.
2. Closing or some other form of taking your banking account hostage until you give them permission is not exactly something that should ever be possible to happen. This kind of service needs to be heavily regulated. Much unlike Facebook or some other social media stuff.

Peertube? Is that a thing or just an idea you just had? Sounds amazing!

Most people don't use ad blockers. Link below says 43% use them world wide, as per user reports. Ad blocking is (only) detected in 18% of web sessions on computers among American users. https://backlinko.com/ad-blockers-users

Had to zoom in to find out why it is suddenly year 200. There is a tiny 1 in there.