Sounds like this is an asked-and-answered situation. Larger companies have lawyers on retainer who will look over each ad before it hits the market and determine whether it's deceptive or in-line with the TOS. Google disallows you from mentioning cryptocurrency outright (except in very specific, express situations). Furthermore, the "get out of debt" line would have definitely set off a red flag in my mind, and if I was in charge of ad verification I'd probably reject yours too.

That being said, Google and Microsoft (or any of the FAANG squad, for that matter) are certainly not your friends in this situation. But are they culpable? I doubt it. This boils down to a human reading your ad and disliking the tone/contents wholesale. It ultimately doesn't matter how your project is licensed, how transparent your company is or who you're working for: the goal of ad-checkers are to mitigate the risk associated with advertising such a diverse range of products. Since you posted an ad for a relatively high-risk product (handles money, integrates with crypto, is a subscription service), it makes perfect sense to me that you got denied access.