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A reminder in the age of the Fediverse: if you're not the customer, you're still the product.
(slrpnk.net)
OP was taking about Tumblr, but I think it applies even more to the Fediverse: users need to develop an ethos of paying to support the sites they use. Otherwise advertisers pay the bills and call the shots.
I'm broke, and have no capacity to make money in a capitalist society. This isn't to say what I do doesn't have value, it's just not valuable to rich people.
Am I just FUBAR in this purely-transactional NWO?
Not necessarily in the fediverse world. If server costs are being covered by donations from 4% of users, a volunteer admin will probably be quite happy whereas a commercial operator will undoubtedly think "damn I have 96% freeloaders, that's leaving money on the table".