I'm in the same boat, almost never encountering ads. I haven't had a TV connection since 2007, stream video on Netflix or Amazon Prime, and really get all of my entertainment quite commercial free. It feels very liberating!
Recently I was driving from the Bay Area to Sacramento, and decided to listen to the SF Giants game on the radio. I'm not into baseball, but my aunt is a huge Giants fan and keeping up on the Giants gives me more things to share with her. So, cool. This was probably the first time I experienced radio commercials in 15 or 20 years. I was shocked by how predictable they were! It was a very obvious pattern.
Step 1: Fear! Anxiety! Insecurity! Something about your life is terrible!
Step 2: Introduce product/service as the savior to this very "real" problem.
Step 3: Claim that it's really quite inexpensive, so you don't feel guilty about spending too much money on it, or even think twice about it. just buy, buy, buy!
In the 1.5 hr drive I think I heard one that used humor to get attention, but the rest were this standard pattern. I can't imagine what being bombarded by that steady stream of manufactured insecurity does to people's brains. And, yes, I'm 100% certain that it does work and convinces people to spend more money. Maybe not instantly, maybe not on that specific product, but once that insecurity sinks in I bet that people will eventually do anything to get it out.