So the choice to act is not as free as you describe.
You seem to think only about cases where personalized ads are used for products but the most harm is when people use this to influence groups. the same way they personalize an ad for a product that seems to be the perfect fit in your current situation the same mechanism/algorithm can personalize a message in a way that will influence you just a bit. and then tomorrow another small bit and so you find yourself (a general self not you) hating groups of people you never encountered so far.
Intelligence or IQ or whatever rational high points you have will not protect you from this over a long period of exposure.