Always listening is somewhat preferable to 'Has such an accurate profile on you from the data that is available that these instances happen by pure coincidence'. That's way scarier and just as intrusive. At least with a listening device you can get rid of it.
Sad thing is, it's likely both.
The DuckDuckGo browser has this baked in as 'Cookie Pop-up Protection'. It doesn't quite get rid of them all, and doesn't let you set a default for what you want (it'll basically pick the most privacy-forward option) but I've found it works pretty well.