Earlier quoted context omitted.
From where did you come to conclusion that adblock users get malware ads? This is the first time I am hearing this thing.
They aren't, because they are blocking ads. But when they turn off ad-block, to "see what it's like", they are not getting an accurate view. It's usually all crypto and other scammy/vices type ads. Go look at your mom's browser. Her Google ads are going to be clothes, tissues, and cookware. Nigerian prince scams cannot outbid Kleenex without breaking the economics of the scam. But they can get loaded when Kleenex no-…
You can buy any ad targeting you want. "Elderly, lives alone, is not too poor, is not tech-savvy" is a great target audience for an online scam.
I don't understand why you claim that targeting doesn't happen; I see it happening with people I know, who wouldn't even know what adblock is.