Friction. The vast majority of people are not going to go through the effort of setting up a digital wallet to browse, when the existing system allows them to do it for free.
Some people would for sure, but then you also need websites and creators to agree to participate in the scheme (or don't, and just unethically redirect ad revenue to yourself, like Brave used to).
Of course the best would be to let users pay for not seeing ads and then shove them in their face anyway for maximum profit.
By very definition 99% of ads that could be in the slot are not there because someone is not willing to pay that much to show that ad, except for the single one that won the auction.
Ads have a maximum cost at which they don't become viable/profitable anymore.
The only difference is that now the user could bid on that ad slot himself, to keep it empty.
If you look at the average ad revenue, that wouldn't be all that much money. Certainly a fraction of what it costs to become a no-ad subscriber currently in various platforms.
ApplePay is about as frictionless as digital payments can possibly be, and I still occasionally abandon a purchase because of some annoying authentication issue.
1. Free competition and lots of it.
2. No widely adopted standard for micropayment
3. Transaction processing fees often left very little for the site.
People must be ultimately paying the money somehow. Otherwise advertisers wouldn't bother.
So, instead, we get companies like the New York Times thinking they're worth, what, $20/mo, per person, all by themselves?
1) Consume more content -> More revenue -> Means more bloated content, esp. with LLM
2) They will simply re-introduce ads even though you're paying
I really don't mind ads, and I don't really mind ad-targeting, except for 'sensitive' topics.
But I despise animated ads, big walls of ads, interstitial ads, popovers, etc, etc, etc. Just be like google in the early '00s: I want content, and I'd be very happy to have non obtrusive relevant-to-the-current-topic ads on the side.
For more general pay-to-browse, it needs to have the friction of the user deciding to pay, or you still incentivize spam (maybe even worse than with ads). As long as you keep that friction, you don't really change much because most sites on the Internet aren't worth anything, especially the commercially motivated ones. The ones that are worth something already charge money (and people pay because it's valuable) or they're not trying to monetize (academia, free culture groups, hobby discussion groups, etc).
"How do we get people to pay fractions of a cent" is the wrong problem to solve. The correct related problem is "how do we filter out all the cruft that isn't even worth 1 cent?" Blocking ads removes the financial incentive for spam, and is therefore a socially positive action in addition to being prudent security posture. Assuming ads have an effect on your psychology (and we ought to believe they do), it also helps you to remain a more moral person by preventing you from receiving and internalizing constant messages to consume frivolously. With climate change being one of the most important issues of our time, cutting out such consumption is imperative.
As in, suppose your daily browsing generates about $3 of monthly ad revenue [0]. Instead, you have a (digital) wallet linked to your browser, which could be pre-loaded with credit each month. For each website you visit you may decide to opt-out of ads by paying a fraction of your credits.
You could even have a system where you could pay for a model with light-ads (i.e. at most 1 ad per page, 10 seconds of ads per 30min of video), or pay more for zero ads.
I understand it's a difficult system to organize and is dependent on a strong network. But I'd expect there to be a solid small market by now.
Lots of individual websites have this option (e.g. Netflix, newspapers, Spotify, Youtube Premium) but there's nothing overarching.
[0] https://thenextweb.com/news/heres-how-much-money-you-made-go...