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.