> suggesting that everything in a contract is always valid I didn't suggest anything like that. Rather, things in contracts are valid by default. This isn't e

> suggesting that everything in a contract is always valid I didn't suggest anything like that. Rather, things in contracts are valid by default. This isn't even a matter of onerous arbitration clauses (for disputes between the business and the consumer) being burried in fine print that no one reads. (Those have been regulated in some jurisdictions, but are mostly legal.) For credit cards, the arbitration is between the consumer and a 3rd party to the consumer's contract (the merchant), and literally is part of the value provided. People would use credit cards less if the service was discontinued.