On the fresh install of Windows I do see some ads and ad-adjacent things. But once I disable all of them, that's it. No more. I haven't seen anything at all like this since install day a couple years back. My guess is that people aren't going through and disabling everything. Also, people aren't using piholes which are probably blocking everything that can't be disabled.
Because you can technically disable them for a period of time doesn't make it any less unacceptable.