I'm not even talking about the adtech surveillance aspect of it. The discussion is often about how advertising itself is, at its core or "fRoM fIRsT prInCiPLeS" or whatever, a Bad Thing. If I'm going to see ads I'd rather see ads for a specific product I might actually want to buy than for products I have no interest in or generic "hey did you know Coca-Cola exists?" brand ad nonsense. I'd love it if that happened without invasive surveillance or Samsung-level malware but I think that's besides the point.
But to your point, what agency of yours is removed when you buy a product known to actively spy on you, you take no measures to stop it, and that ends up with you being shown ads based on whatever you were browsing?
You seem to lack a fundamental understanding of adtech and the mechanisms surrounding it. I'm not trying to be rude or dismissive, but it goes much deeper than "I bought a product and am being tracked." Everything digital collects information from you, with the primary purpose of selling the data to advertisers that target based on that data. It's not, "I bought a smartfridge, so I get what I deserve." It's "I went to mcdonald's, my friend used the mcdonald's app, now mcdonald's knows a ton of shit about me and I will be served ads based on it." I do not want Mcdonald's to know anything about me. That is the agency I am losing, because I cannot do much about it. You may think that's harmless, but there's been articles written about how McDonald's in particular has so much ability to surveil they basically can see like a state. Or stories like this: https://www.wired.com/story/mcdonalds-built-a-515-page-dossi...
There is no opting out without entirely opting out of every day life. Whatever viewpoint you're coming from always seems completely oblivious to this.