podcasts with hosts doing the ads

This is always totalling toe curling, embarrassing for the product and the host -  why can't they just insert recorded adverts?

It used to be contrary to some rule or regulation for an advert to include someone in the programme the advert was in the midst of. I presume this has now been relaxed in some way, as I'm sure I've seen ads that contravene it.

In North America,  radio journalists used to slide ads into their reporting.

Very bizarre stuff like:

"This is Dwight Stetson reporting from the WKRP news traffic copter. It's nose to tail on I75 as a result of a massive smash. Say, why not pour yourself a cool Lipton Ice Tea while you wait. Lipton Ice Tea: cold and refreshing. And it looks like 7 cars on fire, and I can see charred bodies hanging out of the windows...."