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That's not cynical at all; that's exactly what i-the-human-looking-at-trends would do, and it's almost certainly what an automated system would go for as well.

It’s funny, once I started watching luxury houses (I became rich last year, bought a house and wanted inspiration to decorate), I got flooded with ads about “How to become rich”. (Obviously none of those include programming…).

You're not wrong but it depends on the platform and campaign. If the ads are bought click-optimized then yes... if conversion optimized then the algorithms will learn to avoid zealous clickers.

Personal injury (caused by negligent 3rd party) but not necessarily class action (and especially not workers comp cases) are consistently the highest cost clicks I bid on regularly.

Those ads mock me. Have a severe negligence case that nearly killed entire family. By time we recovered enough to deal with legal side the statue of limitations had passed.

Not cynical at all, this is exactly how Real Time Bidding (RTB) works.