Who knows? If we had micropayments we certainly would have had a lot of fraud around them,.
I'm sure, however, that we haven't seen how bad it gets on our current track.
Last summer I watched a lot of Tubi, which is a free advertising streaming service which has the lower tier of content that you might see on broadcast TV or cable plus generous helpings of old movies, subprime anime [1], subtitled Italian crime dramas, etc.
The ads started out really polite, with heavy rotation of ads for P&G brands like Dawn and Tide featuring black people cleaning up [2]. None of the personal injury lawyers, prescription drug ads, ads for legal and illegal medicare frauds, etc. I gave my email addresses and they mixed in a light tranche of retargeted ads from brands I'd engaged with long ago and who were famous for using retargeted ads on the web in the day.
The adtech revolution is half about tech and half about brands that take advantage of the new medium and it's certain Tubi is in the honeymoon phase today because they're still willing to lose money. Investors will expect to take profits someday, and by then cable will be gone, broadcast will suffer from neglect [4] and the ads will get worse, much worse.
I think we'll see more businesses centered around running bad ads everywhere, the only respite might be that some platforms like Amazon and Temu get so big that they trap many businesses into using them as their exclusive channel and starve other channels.
[1] https://en.wikipedia.org/wiki/Juden_Chan but also some good older stuff like https://en.wikipedia.org/wiki/Ranma_%C2%BD and https://en.wikipedia.org/wiki/Accel_World
[2] their own messes
[3] https://www.avclub.com/tubi-success-hasnt-turned-profit-stre...
[4] even a few years ago the kind of normcore people who used to watch broadcast TV would seem to think I was doing some kind of hacking when I put up an antenna to get OTA television