I don't want to shame, but I think it has something to do with the content you consume.
I get ads on my phone, and aside for the big brands that everyone gets, I get financial advisors, MLMs, drop shipping, various softwares etc.... Which is very much in line with what I actually watch.
Don't get me wrong, some are awful, like some lady sitting on a bed telling you how she can help your taxes if you earn more than 2K a month for 3 whole fucking minutes with terrible audio. YouTube has always accepted anything when it comes to ads. It takes a lot not to be allowed to run it, they don't even check anything that they do not have to. As long as you're not stepping on anybody's trademark, you're good.
I've never seen this, or any other version of it. And I probably see at least 8 ads a day on my phone.