Yes, the current ad system is inefficient, regularly disruptive and even occasionally destructive. But it's here and it's redistributing, while the proponents of alternatives don't even mention that aspect, let alone have a working solution.
And it might be a "distance third-order effect" to you, but as someone who lives in a country where credit cards are rare and the average wage is under $15k/y, it's not as abstract to me.