I mean that's how any business works.
there is nothing ethically wrong in this.
That is not how any business work, and there are ethical problems here. As gentlemand said, how services are funded is something we all should take more time to ponder.
Especially in the web, where everything *looks* free.
How is your email provider funded? Does is just read your emails and sell this that to companies advertise you?
How does your social media network makes money?
And finally, How does your wallet makes money? Asking money to support projects which it doesn't see any reason to, just to make money and make its users invest in them?