These targeted ads are incredibly harmful when you have to take care of someone with psychosis. They think that someone who is listening to them is sending them "messages" through ads and that feeds into paranoia. Unfortunately it is not possible to reason in such situations with the person and any attempt to explain tracking is met with hostility.
I really wish regulators stopped being corrupt, naive or both and outright made it illegal.
There is no upside for tracking of any kind for consumers.