In case you're so eager to know, a detailed explanation and quick answer, both of them are written below.
How and why YouTube loading/CPM is dead
In the case of YouTube loading/cpm, Whenever you're doing YouTube loading via vpn (free and/or paid) or Shadow socks proxy or Socks5 proxy (datacenter and/or residential and/or private/dedicated and/or public), Then within a week you'll end up disabling your AdSense account with your monetized YouTube channel. So, In the case of YouTube loading, there's no way to think that you'll be able to reach $100. In short, there's no way you're going to get paid.
Why and how has AdSense loading/CPM is dead?
In case of AdSense loading/cpm, no matter what fancy stuff you're using, you'll be facing a stats freezing issue (to remove it, you'll have to wait for a minimum of 30 days + spending of 21k pkr), and don't forget about the ad limit as you'll be facing it each week (to remove it, you'll have to pay 7k pkr and you'll have to wait for another 10 days), and you can't use your own identity document(s) to verify your AdSense account because in the end, your AdSense account will get permanently disabled, and only a fool will take such a foolish step, and I hope you aren't one, aren't you?
NOTE: You can't make another AdSense account via any of your identity documents, on which the AdSense account was disabled earlier.
That's why, to cope with this issue, you've got two ways only.
1: Buy AdSense Tax Form Submission Service, AdSense Identity Verification Service, and AdSense PIN Verification Service (For all these AdSense-related services, you must pay at least 2500 to 5000 pkr, and don't forget about the time that it will take.)
2: Buy a ready-made AdSense account on which a tax form has already been submitted and has already been identity and pin verified. (Sorry to burst your bubble, but only scammers are selling such ready-made AdSense accounts. Therefore, now you've only 1 way left.)
After facing and combating all these money and time-eating hurdles, If you still think that you'll be going to get your first payment from Google AdSense, Then sorry to burst another of your bubble, but you'll be facing huge deductions in terms of invalid activity due to so-called self-clicking, a.k.a. loading, and for the cherry on top, your AdSense account will get permanently disabled, and you can't get approval of any other Google product(s) or other reputable ad network or ad exchange from now on. (That means your site is worthless right now, and no one will buy such a site.)
You must wait for 30 to 45 days.
During these 30 to 45 days, there'll be another deduction for invalid activity.
After 30 to 45 days, make sure to check your email because if you're eligible to get paid, you'll receive an email from Google that tells you that you're eligible to get paid.
If you don't receive an email after 30 to 45 days, then sorry to say, but you aren't eligible and you won't get paid.
If you haven't already added your payout method, then they'll also tell you to add your payout method so that they can send you your finalized earnings. The decision to send you your finalized earnings is totally up to Google.
Don't forget that your payout method (Wire, Payoneer, etc.) charges tax as well.
NOTE: After the 1st and 2nd time deductions for invalid activity, your finalized earnings will prove to be way lower than your spending.
The chances that you won't get paid are 100% right now.
Conclusion
Now the safest way to make money by spending less money is through arbitration. You can give it a shot as it's totally safe because, in the end, both your adsense and your site will be safe and sound, and there won't be any invalid activity deductions. That means you're in good profit as compared to AdSense loading.
Starting at 2500 pkr, you can get a safe AdSense arbitration service. Make sure to message me right now.