When I forget to sign in to YouTube, I see the same pattern, shitty ads that are clearly only allowed because otherwise YouTube wouldn't have sufficient ad inventory to meet their internal KPIs.
Medical supplements or plans that make claims that clearly aren’t real, financial scams (crypto or get-rich-quick schemes), or product scams (this new device that ‘they’ don’t want you to know about can heat/cool your house in minutes for pennies!).
I’m pretty sure none of this is legal, and Google obviously doesn’t care.
FWIW I have ad personalization off - perhaps it’s a bit better for those who don’t?
Now, we're getting diaper commercials all over youtube. I assume we're flagged in some database as likely having a new child, but you can't ever know for sure.
You can look up your Google ad profile and see if "pregnant" is one of your account's attributes. Facebook has a similar page somewhere.