I didn’t sign a contract without seeing it. I didn’t sign a contract with the homeowners insurance. The bank contracted with the homeowners insurance.

How could I have signed a contract without seeing it? I wouldn’t have anything to sign!

But none of that was my point. My point was—if asking to see the agreement was this far outside the norm, then how many people are actually confronted with the paperwork? My guess, based on my anecdotal experience, is not many.