3 clicks to disable an adblocker on a financial website seems like a trivial price to pay for mental wellbeing and tens of hours of your life not watching video ads, but you do you.

It's not the clicks, it's the cognitive load of discovering & remembering which sites break due to an adblocker. (This set of sites changes as the sites themselves evolve.)

The main point is you were writing advice to someone as if they were building the website, when most of us are not generally building the sites we use.