Just this week I saw a new ad on my iPad homescreen.
At some point an iOS update added a “Smart Stack” widget to my homescreen with some common app widgets (contacts, maps photos) (I assume it was automatically added, I don’t recall ever creating it, it seems to be a new iOS 14 feature.)
In iOS 15, iOS got something called “Widget Suggestions”, so apps you haven’t added to smart stack will automatically appear. (And this got automatically turned on for the smart stack on my home screen.)
Result: I got the App Store automatically suggested in my widget stack and displaying an ad for some Disney thing. (Which I assume I wouldn’t be able to access without either paying, or watching more ads.)