“Can’t” is relative. I suspect there are a lot of people who pay for at least one streaming service that isn’t YouTube, but spend more hours watching YouTube in a month than they do watching that service.
And of course there’s also the age-old comparison that if someone goes to Starbucks more than twice in a month, they probably spend more there than you would on YouTube Premium, and does that provide the person with as much value as YouTube does?
In my opinion, it’s rarely about “can’t” when we’re talking about 12 bucks a month or whatever. It’s about the psychology: when a free tier exists, people reframe it in their heads that paying for that thing is an extravagance. Relatedly, removing the free tier altogether also has dangerous effects, as people immediately jump to “I can’t believe you’re taking away the free thing I used to have” outrage, while nobody complains about not having free access to say, HBO.