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With cross-site cookies, adnetwork.com has full information about what sites you've visited (among sites that incorporate their cookies). This isn't good either! But generally speaking, an individual site using adnetwork.com for advertising won't have or want access to that vector of your interests; many site operators don't even have visibility into what ads win real-time bidding, just that they're receiving money for providing their inventory. Certainly there are players that can provide demographic targeting metadata to site operators, but to my knowledge they are less widely known and certainly not cheap, and I imagine (or hope) any players with wide enough cookie reach would be discouraged from maintaining a database that could associate metadata with PII.
With FLoC, though, the idea was that the browser would provide document.interestCohort() and the individual site's JS could react accordingly: https://github.com/WICG/floc . This means that any site, regardless of its contracts with ad networks, could immediately identify your cohort and associate it with your activity. Web developers working in good faith would be encouraged to have user.cohort or user.topic fields from day one "just so you have it" - imagine all the ways someone could use this in bad faith. Inevitably this data would leak (or be intentionally leaked) and could trivially become a target list for doxxing closeted people. It's a dangerous, dangerous proposal.