I'm not dismissing the possibility of conversations about whether advertising for services is a type of transaction that's difficult to reason about, and that users need to be protected from themselves by regulation. But looking at only the outflow half of a transaction and asking "I don't benefit from this part, we should ban it" is utter gibberish.
"Did anyone ever investigate what benefits payment systems have to a population? It seems like a net loss to me, since payment systems cost money to operate and in the end all they do is reduce the amount of money a user has. While payment systems may allow you to 'buy' services, we are still paying for these systems directly and indirectly
Why then, doesn't the government bring currency and bank accounts and credit cards to a halt?"