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I haven't and likely can't think of a good solution to handling the scenarios you're talking about. They are good questions that someone smarter than me should address. However, to use those scenarios to completely admonish advertising platforms for blatantly obvious scams is asinine. "Well, what if a legitimate business starts scamming people?" should have little relevancy to the question of "Should we accept this ad from a user advertising that they're going to double your money if you give them access to your financial accounts?"
I'm not saying it's simple or quick to solve, but there is very obvious low-hanging fruit that could be dealt with but is somehow not because these platforms aren't held accountable whatsoever. It has to start somewhere.
I agree completely. I just wanted to point out some of the difficulties in doing what was posted.