Getting captchas solved reliably via a service costs around $1 per 1000 captchas so captchas are kinda useless as well if there's a tiny monetary incentive to get to whatever is behind the captcha.
Depends on the captcha but there's many popular services that you can plug into your code through APIs for bypassing captchas (https://www.2captcha.com, https://anti-captcha.com). I think the hardest one is probably the invisible reCaptcha Enterprise.
i'm not sure what the current state of the art is, but my favourite way of solving captchas was the porn vendors who were monetizing their sites by presenting captchas in front of their videos, but the captchas were captured from legitimate sites. so every time a person solved a captcha to watch a video, it enabled a bot to access a captcha-protected resource.
Having people solve CAPTCHAs for you seems more ethical to me than showing them ads - at least with CAPTCHA the cost paid (here: your labour) is clear to the user.