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Im fine with it because this isnt me.
Jack and the beanstalk (the folk tale) was first published it 1734 (the story of a boy who goes to market with a cow and is talked into exchanging it for "magic beans") in 1734 the key premise of the story was a person making terrible purchases.
The expression "a fool and his money will soon be parted" or a variation of that was first published in 1573 "A foole & his money, be soone at debate: which after with sorow, repents him to late."
People being dumb with money isnt new, if you think targeted advertising, or any modern form of advertising is the root cause (admittedly it definitely cant be helping the situation) Id argue that this is a part of the base human condition.
It's not a base human condition. Things like buying a hawaii holiday on credit or advertisements for gambling in sports competitions are just evil ways in which people with large capital and brains squeeze out poorer and lower educated people, and shouldn't be allowed at all. It is not even an anti-capitalist stance, a capitalist economy can thrive just fine without that kind of misleading. A prime task of a government is to protect people from eachother.