I don't really give a damn about the ads. It is the database behind the ad targeting that I have a problem with.

Best case it is really no one's business where, when and how I spend my money. Worst case the info could be used to directly harm me, maybe through blackmail, maybe to enable some other crime against me or maybe even to falsely implicate me in a crime that I would then have to spend time and money to defend myself against in court.

As for the change - my credit union has a coin counter, I bring in a bucket of change, they give me dollar bills in return.