I'm not sure what the Royal Family have to do with this? It's not comparable. The monarchy isn’t funded by a legally enforced charge that restricts people’s choices. The BBC is, and that’s the problem.
You say it’s "not about the individual," but that’s precisely why it should be a choice. Society is made up of individuals, and in a modern democracy, people should be free to decide whether they want to pay for a service. If the BBC is truly valuable, it will thrive in a model where people like yourself voluntarily support it—through subscriptions, donations, or advertising. Other broadcasters manage this without forcing payment.
The people should have the freedom to decide what media they support. If the BBC is as indispensable as you suggest, it should have no trouble surviving without forcing people to fund it.