Your phone is not listening to you. https://www.bbc.com/news/technology-49585682
Listening to conversations and turning that into interests that can be advertised against is by far the least efficient method they could use.
This is just an example of a frequency illusion where you notice stuff because you’re looking for it. https://en.m.wikipedia.org/wiki/Frequency_illusion
I assume it’s a different system since it works on Wayland, but idk