I don't understand where the disconnect for ads is. 1) I have money. I got the money specifically so that I could use it to buy things. 2) Give me options of

I don't understand where the disconnect for ads is. 1) I have money. I got the money specifically so that I could use it to buy things. 2) Give me options of things to buy, and I will buy them. 3) Show me things that are relevant to my interests, and I will probably buy those things. Advertisers seem to be failing (badly) at 3. Ads that I see are not only intrusive (full page CSS popovers have gotten to the point where I just disable javascript), but they're also irrelevant to me. WHy?