[belorn]

I have no problem with advertisement if they agree to take full liability if any contains malware or breaks the law.

If that requirement is freeloading then I disagree with that definition of the word. They enjoy the benefit of behavior which if it was offline would be illegal, and out competes those service which operate more ethically. Since society currently expect the users to be responsible if their machine get infected by malware, it is fully ethical if they use software like ad-blocks to protect themselves.