I have had the "joy" of explaining these things to my children. For us, making things up doesn't work - I want the kids to know that I will answer honestly. BUT I really really don't want to explain this stuff during family gatherings, dinner, or any mixed group.
Commercials have gone downhill over the last however many years. I hate them now.
My solution??? At the commercials we ALL get up and do a chore until the show comes on. Get another load of laundry to fold, put dishes in the dishwasher, pick up 10 books off the bedroom floor and put them away, you name it.
I also have a list of items I will NEVER purchase - based solely on the horrible commercials. I even send letters to the companies of the worst ones. They send me lots of coupons, and I STILL won't buy them.
Star, you are not alone. This is partly why we have so many shows on dvd or vhs.