Yeah and a couple of things:

Malware has directly passed through as networks multiple times and neither the server of ads nor the ad network were able to be held responsible for it.

Right now it is common for ads to show apps that look like something popular but deploy malware. Nobody is taking responsibility for any of it. Ad networks aren’t well policed.

It is irresponsible for a user not to block ads IMO but I also get to decide what packets of data traverse my network just like any other person or company. As a consumer I do not have to be responsible or care if a business model succeeds or not.