This is why Section 230 is fundamentally wrong. Because the core concept of it assumes reasonable behavior without monetary incentives. Which is great if you're legislating someone's personal forum about their hobby. But Section 230 applied to the ad industry is incredibly, incredibly broken, because advertising companies do not have any incentive to act in good faith.

As soon as a dollar of profit is involved in a content moderation decision, a business should be fully liable for the decisions around content on their platform. If I report an ad to Facebook and Facebook decides to keep it they should be accepting legal responsibility for that ad.

You want to stop scams online, you make the platforms liable and then grant them the ability to recover the losses by going after the advertisers.