Personally, I don't even care about ad revenue, I had Patreon since December 2018 and even though I had less than 1k subs at the time, it quickly shot to a couple hundred bucks a month. Still, I enabled ads 3-4 days ago after first hearing about this "commercially unviable" nonsense. Nobody can convince me that ads don't hurt small channels' growth in the long run. They force viewers to wait and jump through more hoops just to get to the actual content of the video. This definitely increases the bounce rate because out of 1000 people, at least a few would get p****d off and leave the video immediately after seeing the same ad for the 17th time in the past 10-60 minutes of their YT rabbit hole session.
I haven't noticed any significant changes after enabling ads other than the recent weirdness with YT removing dozens, hundreds of my real-time views. I don't do midrolls - just the beginning and end ads, and I unchecked Non-skippable ads - I don't want to force my viewers to sit through the ad for more than 5 seconds.
However, the biggest issue with COPPA is that not only do you lose ads if you get tagged as "child appealing" channel, you lose comments and other useful community-building features and get removed from the algorithm completely. Effectively, the channel doesn't exist any more, even though it's still technically active. You can't be found via search, via recommendations and suggestions - that's the real problem, not the loss of ads. At least for small channels like mine.
I just posted a poll on my Community tab. YT reports that 0.1% of my viewers are underage. Even though the sample size is low, my poll says otherwise
Shared from Screencast.com
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I marked all my vids as Not-for kids. I make D&D theorycrafting content that's clearly beyond kids interests and even their capability to understand wtf I'm talking about. However, I fear if my channel keeps growing and gets to a point YT automated tools and bots review it, due to the fact how faulty machine learning and narrow-AI still is, I might actually get into trouble.
I highly doubt actual people, officials in FTC will be reviewing these automated-flags. Instead, they'll just rely on them and issue penalties.
Even though I'm from EU and not a US citizen, never been to US, I know how US government likes to throw their weight around internationally. Heck, just a few years ago, FBI/CIA joint operation went after an underground group of hackers that operated from the city just a few hundred kilometers away from where I live. Crime? They gained access to some bank's database and unknowingly stole money from a high-ranked US government official. Talk about bad luck...