Anecdotally, I know several people (outside the tech field) who have told me that they get value specifically out of product-based FB/Instagram targeted ads, to

Anecdotally, I know several people (outside the tech field) who have told me that they get value specifically out of product-based FB/Instagram targeted ads, to the point that they don't _want_ to install ad-blockers for those sites. I don't think the experience of the HN crowd resembles the experience of the average user in any way.