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marketing is highly unethical in general. however, your points are kinda invalid. sure, children can use their parents’ credit cards, but they can also burn the money with a lighter. children can do stupid things, and ideally such a purchase would be illegal and the parents eligible for a refund. or you would need a password to authenticate etc.
however what is a real problem is that advertisement poisons our environment. when you step out on the street, there’s ads everywhere. you can’t go anywhere where there’s no ads. the consequence is that your head is trapped in an eternal cobweb of “consume, consume, consume”. you must consume, there is nothing else to do. that is the true horror that modern marketing has brought to us. psychologically hacking the brain to make us think about buying stuff all the time.