I'm 100% with you on the idea that it's time to start paying for services on the internet instead of the ad-funded model we have today. The problem is that the people who decide when and how to monetize things seem to be moving toward a model where they charge you for the service, sell your data and feed you ads.
If lawmakers regulated data retention to make targeted advertising unprofitable, then businesses would have no choice but to compete for customer’s money directly by providing value.