I don't use social media and aggressively block all ads, but my wife does so I've seen how it works. While scrolling through she sometimes she's clothing or jewellery that matches her style and will engage with them to see what's available and how much it costs. Nevertheless she hardly ever converts.

The ads themselves aren't a problem from what I've seen, rather it is the incessant stream of memes and emotive content that keeps you scrolling through the feed.