Fine. Firstly, I wrote "in the event of", so I'm not claiming those have been done already (at least to my knowledge). A hypothetical, see? Secondly, if you want examples, how about malware being transmitted as "third party content" through the ads and it leading to said damages? I'm sure I don't need to elaborate what kind, it's not like that's an unheard of story. Yes, I know there's a clause saying "we're not responsible for that" in short, but that's my point exactly - it wouldn't help. Also, this is besides the fact that currently you interact with the ads before you even have the chance to read the ToS - that's a separate can of beans.