[1]: https://adstransparency.google.com/advertiser/AR129387695568...
When Google has a bad/empty profile of you, advertisers don't bid on you, so it goes to the bottom feeders. Average (typically tech illiterate) people wandering through the internet mostly get ads for Tide, Chevy, and [big brand], because they pay Google much more for those well profiled users. These scam advertisers really don't pay much, but are willing to be shown to mostly anyone. They are a bit like the advertiser of last resort.
All of that is to say, if you are getting malware/scam ads from Google, it's probably because (ironically) you know what you are doing.
One of my co-workers left with an active account and active card but no passwords noted. The company gave up and just had to cancel + create a new account for the next adwords specialist.