My social circle has been talking a lot about this problem and question. I have no idea what's next, but suspect it's going to be more balkanization. My friend group has been moving more and more to a private, invite-only, internet replacement and that includes the web.

For us, there is no other realistic option. The web is, as you say, basically dead for noncommercial use, and it's not clear how (or if it's possible) to use the public internet in a safe and private way anymore.