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Why is that a negative outcome? The fisher gets a fish, and the fish gets a delicious worm offered directly to it.

Sales for payday loans, or 40%+ personal loans, etc. Any sort of exploitation that can be aimed that that person.

In general, advertising seeks to manipulate. It is not at all based on trying to link people’s needs and wants to those who provide that.

It's kind of like intentionally targeted advertising of alcohol to alcoholics and recovering alcoholics.

Probably not explicitly illegal to do, but an unethical move that props up social harms for no constructive reason.