I agree with your points about the incomprehensibility and onerous terms of such agreements. And in cases of coercion or semi-coercion (e.g., it can be hard to

I agree with your points about the incomprehensibility and onerous terms of such agreements. And in cases of coercion or semi-coercion (e.g., it can be hard to get a job without owning a cell phone), I can understand accepting the T&C's despite those problems. That's why I'm limiting my argument to other situations such as Netflix and video games. For those situations, I'm arguing that adults should accept full responsibility for choosing to accept those horrible T&C's.