The facts of this case are a little silly but I’ll take it. There’s hundreds of far more serious ways targeted ads are used for illegal discrimination than denying an old lady her life insurance ads. Like landlords, politicians, job recruiters, etc. shouldn’t be able to target ads at all except by some broad, relevant geographic region (like congressional district for a politician or county for landlords). The minute you let them have “affinity groups,” they can just use that as a proxy and only advertise an apartment to Swifties or only advertise a job to people who shop at Men’s Warehouse.