Relevant ads are obviously better than irrelevant ads. But that's not the point here. What this is about is that the advertisers collect your habits and build

Relevant ads are obviously better than irrelevant ads. But that's not the point here. What this is about is that the advertisers collect your habits and build a profile based on your behaviour which can be sold to further third parties, among which can be banks, government institutions... which can consequently affect your life.