Why is it so hard to find creative ads?

And why are there so many bad ads around? I mean, there is no way professionals made these ads because they are so simple and "stupid", anyone could come up with them. For example, I was driving home the other day and saw a billboard for McDonalds showing a cup of their coffee and a headline "I'm not a millionaire, i'm a coffee lover", isn't this a cheap shot at Starbucks? Is this considered something creative because i don't see how this is creative. There's plenty of examples around and i don't think i need to point out other examples i'm sure you guys seen them, but why is that? Seems like ad agencies don't bother to even think how to make a killer ad and just come up with something that may work but is just too plain.