This is a UI sin that should trigger public shame of developers.
It really should be handled at the OS level for apps, or at the browser level for web sites: If I click anything on the screen, it should react as if I clicked on what was there 300ms ago, maybe 400 or 500ms or longer.
The fastest (typical) human reaction is around 300ms. If I'm clicking on something that appeared less than 300ms ago, then I'm NOT intending to click on it. Maybe the delay should be configurable, or maybe it learns the behavior for a particular user? An elderly person surfing the web might have a 1000ms propagation delay between deciding to click and clicking on a button or link. But my reflexes are closer to the 300ms point if not better on a good day.
No matter how fast a human is, if a button is covered by an ad 100-200ms before they click, there's no way to not click on it. And that's bad UI.
Even my (our?) favorite search engine, Duck Duck Go, is guilty of this: I will frequently accidentally click on the "WikiPedia summary" popup which has just replaced the actual top link that I wanted to be clicking on. Bad web duck!