Serious answer: non-personalized until they figure out a real, safe way of me to post my interests that doesn't involve tracking, and I think that's highly improbable to happen, so non-personalized. I don't see a way of me personalizing ads without sacrificing things I'd prefer to have - my privacy around the Internet.

> it is inefficient use of money in this world

That's the advertiser's problem, not mine, and their choice to spend money just as it's mine to buy what they're selling. Advertising is already largely a guessing game of how to appeal to people and where to do it, and the only way to make it easier /today/ is by violating our privacy. They could spend the money however they want and choose to advertise.