Ads as content isn't that bad of a problem. Consider a review or a show that uses a product for legitimate reasons.

The (far) bigger problem will be using your friends against you[1]. Advertising by making various "credit scores" dependent on your friends using the "right" products will be very hard to counter. I suggest fighting it now.

[1] https://www.youtube.com/watch?v=lHcTKWiZ8sI