Isn't this already the case?

Ads should be explicitly opt-in. Not even "implicit" opting-in or opt-out. You should specifically say you want to see ads before seeing them. And if that means no more billboards, ads in bus shelters, ads on radio, etc. then I'm all for it.

The issue is how these ads creators can operate in the shadow.

In fact, since AI in theory should be much better at fact checking than humans, the standards of information quality should be much higher

What we're all calling "AI" right now has basically zero ability to fact check.

Large Language Models are essentially just a form of autocomplete. They predict valid outputs based on statistical analysis of their training data. This makes them quite good at passing the Turing test (ie, convincing the average user that they have something approximating intelligence), but what they completely lack is the ability to evaluate source for reliability. That's why it's so easy to deliberately trick them into repeating false information.

Real fact checking is a lot more than just googling something and finding a source that agrees with you. I can find sources claiming that the Earth is flat, aliens rule the world and Hillary Clinton is a baby eating lizard person. But none of those sources are in any way credible. However explaining why they're not credible is a much more difficult question. Media literacy is a conplex skill, and it's one that involves evaluating a huge number of different criteria, using a large number of different metrics, and it often involves making difficult judgement calls. Even people who are good at media literacy can be fooled, or just get it wrong. The entire study of history is basically about evaluating sources, and there's often serious disagreements over the veracity of a piece of information. Good journalists have to be very careful over exactly how they frame information to disambiguate the exact degree of confidence they have about it (ie, I can say with absolute certainty that this person told me this thing, but I can't say with absolute certainty that what they told me is true)... And that's the good journalists. There are a LOT of bad journalists out there.

It's possible that some hypothetical future generation of AI will be better at fact checking them humans, but that's not what we have today. The only way to get modern LLMs to produce factual information is to be extremely careful about what data they are fed; and even then, they will often just make shit up out of whole cloth from that data. Any output has to be verified by a human operator to avoid situations like Microsoft recommending the Ottawa food bank as a must see tourist attraction.