My only ask would be make the add dismissable. I don’t believe the ad belongs where it is (vs other places in app to put it) - but I think the ‘consumer centric’ version of putting an ad - is reducing the visibility (done via it’s location currently, regardless of my thoughts on UI), and make it dismissable.
If the user can make it go away forever, after declining to upgrade, I think that is appropriate (and have the relevant “upgrade” flow in the accounts view).