> Where "agreement" likely means "you accepted some tos 15 years ago so shut up".

I am not a content creator or business on yt but i am 99.9% certain as soon as you enter your business credentials to make money they pretty much are allowed to do as they please and change the terms without notice (to which you must agree). And because as pointed out into the article, yt is a monopoly in all but name you have to agree to it as there are no viable alternatives.