So, my question for you is have you been making comments or sending messages online about debt, money, wealth, etc? Then again, maybe Skynet just knows you're unemployed and that's what makes you a target for get-rich-quick.
Thinking that just that could make me a target of these crooks ... wow, just wow.
On large, generic platforms like Facebook and YouTube, I sense the possibility that these ads that are essentially spam can drive a much higher conversion than the legal businesses' ads, and eventually drive out other types of ads. Those are not nigeria princes asking you for "hlep", you can tell the guys behind it put in a lot of efforts and serious money, some made it like a trailer of _The Pursuit of Happyness_. There's no way Google or Facebook's AI could tell that they are suspicious schemes.