This is just a great example of people who aren't in content creation fundamentally not understanding the ecosystem.
This isn't about "over-produced thumbnail-bait". This is about all high-quality media.
You mention Rick Beato. Do you really think Rick Beato sits down behind his laptop to edit his own videos? He has nearly 6 million subscribers and produces around 10 long-form videos per month. He has at the very least an editor (probably full-time) and a thumbnail designer (part-time), and I assume also a manager who sets up brand deals and contacts musicians for his interviews. He also records his videos on expensive cameras inside his well-lit studio, which also isn't cheap. It's very difficult to tell how much YouTube channels generate but I wouldn't be surprised if the Rick Beato channel is at this point a >$20K/month operation.
Edit: Also, do you really think Rick Beato making "The Secret Weapon Behind Dr Dre" or "The Real Reason Music is Getting Worse" is not clickbait? It's just clickbait, but for people like you. Part of good advertising is making people feel like they're not even being sold anything.
Indeed. Even streamers who just speak to the camera and play video games have a team of multiple people behind them, which some streamers discuss the economics of openly.