While it could be a smokescreen, it certainly doesn't have to be a smokescreen. If it turns out that Crystal is letting intrusive ads through, then they're doing a bad job and I'll stop using it.
We already know who will be let through - the ABP whitelist is public. It's the majority of the ad tech world including the most intrusive native networks.
2. I didn't test disabling but assume that it would work as advertised - I didn't want to support a company that would enable whitelisting/acceptable ads as default in order to build up enough users as a means of extorting everyone else in the ecosystem.