Honestly, this is why I got rid of YouTube premium when their prices increased. The amount of ads reduced my YouTube usage to only videos that I "really" wanted to watch. Try turning off your blocker if you want to decrease your consumption :-)
A trick I started using was asking the scammer for a challenge code to prove they where who they said they were (from my bank). The scammer was dumbfounded and hung up.
I agree it is always better to just hang up and call the bank yourself but it was pretty humorous.