I remember reading my bank's ToS at the time I was just out of the school. I read the whole piece, printed in font size 4 and the conclusion was like this: no matter what happens, it's my fault.

It doesn't matter what the TOCs are if they are presented at a gun point: a lot of services don't have alternatives and as much as I wouldn't cry for losing access to Reddit or YouTube,for some that would be the case.