I recently signed up for a new credit card and was really disappointed to find out that if I wanted to use the card, I'd have to submit to arbitration and forgo

I recently signed up for a new credit card and was really disappointed to find out that if I wanted to use the card, I'd have to submit to arbitration and forgo my rights to a proper American trial. I'm not against arbitration; speaking to this article specifically, the apostle Paul directs Christians to resolve their differences without going to non-Christian courts. There's nothing inherently wrong with the concept. But in either case, it'd be nice to have some sort of a provision that allows for escalation to a court if you can't get things resolved in arbitration. That's my concern with the credit card I just signed up for; I feel like the company is setting the rules in a way that stacks the deck against me, and if I get slighted I'd have no recourse. I would find it difficult to imagine Paul, the Roman citizen who appealed to Caesar himself, wanting to shut people out of certain aspects of the legal system entirely.