I will never pay for YouTube
The only pro for giving them your card details is being able to view age restricted content, like sometimes PlayStation will have age restrictions on some videos, that's even with me signed in, I'm in my 30's so it's not as if I'm young.
The age restrictions BS seems to be either an EU or UK thing where you have to verify your age by either giving them card info or a pic of your passport.
Come to Relax
https://gamefaqs.gamespot.com/boards/1558-relaxation-island