If the cost is reasonable enough, it doesn't even have to be crafted for the individual, simply target them with one of multiple ads, which are modeled to have the highest (positive) effect... If you're not going to interact with it showing it to you has minimal effect. If one is modeled to have 5x higher interactivity, that's the one you want to show.

I think there are high value customers for whom this probably makes sense, but only if those doing the targeting make money from it. Right now you're the product, but the supplier is the one doing the targeting (or not) and the customer doesn't know enough about their potential customers to target. The suppliers don't really make money by effective targeting.