Haven't seen a Youtube add in
more than a decade.

But according to Louis Rossmann most users do not use adblockers & get the "default experience", lol.
You just need to
follow the news, it's unbelievable for what scams people fall. Nigerian romance scams (I love you, just send 6k for a plain ticket); your uncle Todd from overseas died and you'll get his house if you pay the notary expenses; your daughter just killed someone with her car and you need to pay 30k bail or else she's going to jail (no money? we will send over our colleague to pick up your expensive jewellery). Just today a female "psychic" made into a news report, scamming people with fake blood filled eggs from the supermarket. See the blood, that's a clear sign, now you need to pay me big so I can save your sons life.
Most call those people dumb. But it's often not really dumb people, they just lack
critical thinking skills. And it gets worse the older people get. There needs to be more awareness. But you can't force feed information to people who like to waste their time with watching gossip all day instead of keeping themself up-to-date. And if they just hand out 100k to complete strangers without any security checks, the loss can't be that big to them. A human/AI check for the transactions for older people might also not be a bad idea, in addition of banning ShoppingTV.