We can blame them all we want, but the fact is that they don't care about the end user, and that legally they are fully insured in case someone sues them for financial damage. It all comes down to the fact that everyone needs to be careful about their actions, whether it's on FB or this forum, because that's unfortunately how the internet works.
The only way to suppress such advertisements is detailed checks by all these companies, which they do not want to carry out because on the one hand it is too expensive for them, and on the other hand they would lose too many clients. It has been my decision for a long time not to use FB and similar social networks, not because I am afraid of false advertisements, because it has already been scientifically proven that they are extremely harmful for everyone who uses them, especially for children.
I also agree to blame the ad providers because of their inability to anticipate malware in every new ad added to their systems. I fully understand that ads come in daily, and it's likely not human to screen them. This would require a large team to do it manually. This is what allows malware and phishing ads to slip through so easily. I often report ads I don't like, but it still doesn't help, because if I report company A, company B will be the one running the same ad. It seems that advertisers use 3rd parties to distribute ads to avoid blocking and reporting.
But they have the capability to have some humans to review everything first or even after the ads have been shown in Facebook, to take it down because it contains malware. Even if it is a 3rd party, Meta is the last filter as it is going to be displayed in their blue app.
So it boils down to them on how they are gong it react. On our part, all we can do is to report it as we see it. That is the best thing that we can contribute to clear the space of this scammers and criminals so that at least they won't victimized.
Everyone has to do their thing here, one way or another.