At last, we have a solution for people who meet those criteria: Sign up for a No Ad Subscription. $3/month, $30/year. All you have to do is log in as you and the annoying awful ads magically disappear.
If you have no money, we promise to keep the free ad-laden version available for you.
If you have problems making it work, don’t complain to me, I can do nothing, nothing I tell you — but Jason Thibeault has a complaint thread. Go there.
Also, let’s be 100% clear on something: all this service does is block ads. If you’ve been banned, don’t expect to plunk down $3 and get un-banned — you’ll still be able to read an ad-free site, but nothing in the service guarantees you a right to comment.