Did planets form because of electromagnetism?
For myriad reasons, the answer to this is an emphatic yes.
Gravity may attract particles towards each other, but the force that actually causes them to interact with each other is almost entirely electromagnetism. The collisions of grains of cosmic dust are caused by electromagnetic fields interacting with each other. As is the gradual loss of kinetic energy -- the friction -- that allows some amount of potential energy to get converted to heat, allowing the particles to slow down and, as you described it, clump.
Absent electromagnetism, the actual particle nuclei would need to directly hit each other to cause an interaction via the nuclear forces, which is VERY improbable in the vastness of space. Improbable doesn't mean it wouldn't happen, but in this case it does mean the universe is way too big and young. Without electromagnetic interactions, particles just form orbits. Which again, that's what a "dark matter halo" is. It's all the dark matter stuff orbitting around a galaxy's center of mass because it doesn't get easily trapped in the center. It's all the dark matter in a gravitational system constantly whizzing back and forth across the center of mass since there's no electromagnetic force to rob them of the potential or kinetic energy and stop them from heading back out.
And, conveniently, these halos are just what our observations seem to indicate dark matter is doing in a typical galaxy. The observations and theory align well
There's also a totally plausible and far more insidious answer to what's going on with the experiences people have of the ads matching their conversations.
That explanation is advertising works. And worse, it works subconsciously. That you're seeing the ads and don't even notice you're seeing them and then they're worming their way into your conversations at which point you become more aware of them and then start noticing the ads.
Which does comport with the billions of dollars spent on advertising every year. It would be very weird if an entire ad industry that's at least a century old was all a complete nonsense waste of money this whole time.
To me, this whole narrative is just another parable about why we need to do everything possible to limit our own exposure to ads to avoid being manipulated.