This is effectively a matter of social breakdown. I wouldn't bother blocking ads if they were few, privacy-respecting, responsible, etc. But, tragedy of the commons and all, shitty ad-pushers and privacy-invaders ruined the game. Now, sorry to say, this hurts others who try to be more respectful. Not their fault, but that's how the world goes sometimes.
If everyone used an ad-blocker, it would change the way the market works. It would actually reduce overhead where advertisers are fighting for attention in a noisy world. It would restructure how the flow of money works. We'd figure out other and better ways to deal with funding things.
So, I don't think it is wrong to use an ad-blocker. I think it is socially responsible. Even when other people fail to use adblockers, it gives more power to the advertising industry, and thus hurts society. I say: Thank you for doing your part and using an adblocker!
I think there's an implied contract from not your acceptance of the content, which happens before you necessarily know the terms, but from when you can see it and the ads[1].
Regardless of how you feel about specific cases that may be a monopoly, that doesn't work as an argument for running an ad blocker for general viewing, as it's obvious every site you visit is not a monopoly.
1: https://en.wikipedia.org/wiki/Implied-in-fact_contract