It seems like you’re really intent on re-defining the word “free”.
If you can’t afford ad-free streams feel free to watch TV for free with just an antenna. But no one is going to buy you a TV, an antenna and pay your electricity bill so there are no costs associated with it. No one is forcing you to watch the commercials anyway.
And if I tell you I’ll give you a couch for free, feel free to pick it up and leave without paying me, though a thank you would be a nice gesture. But don’t expect me to rent a truck and deliver it to you so there’s no costs associated with it.
People use the word “free” to mean “without charge”. Get over it, you’re not going to get the world to change how they use the word free just to suit your pet peeve.
I’m not asking the world to change because ads are “a charge”. Do you tell yourself ads are not payment so you don’t feel bad about blocking ads and stealing content?