The entire goal is to use money to change your behavior. They’re inherently manipulative by definition. It’s literally weaponized mass manipulation. There’s no way to spin that as a positive effect.
If you think about it in terms of it’s effects, advertising is the closest thing we have to mind control: companies are paying money to change the behavior of millions of people. Even without any concrete examples, you can easily see how dystopic it really is when you just think about the intention alone
Tracking ads is also a problem, just a different one. The whole point of ads is to manipulate your behavior. There’s plenty of reason to not want to make that more effective