Honestly, if you're under the threshold to monetise your channel you were most certainly not making much money off YouTube to begin with. Probably at most $20 a month, likely not even that. If a loss of $20 a month discourages you from uploading content, you need to take a step back and evaluate why you were uploading to YouTube in the first place. Is it because you truly enjoy creating the content or because you want the 0.1% chance of making it big and being able to turn it into a full time ""job""?
YouTube is first and foremost a business. It was never intended to be someone's personal platform to make money.
Google is not entitled to your content and people are not entitled to use Google's platform to make money. If you don't like the terms, walk away or continue uploading content because you enjoy doing it.