I believe a solution is going to start by, principally, putting a lot of lawyers out of work (so don't expect it to happen without a law called for by the peopl

I believe a solution is going to start by, principally, putting a lot of lawyers out of work (so don't expect it to happen without a law called for by the people). That solution is anything equivalent to a 'standard library' of contracts in which the consumer and the party they are interacting with agree to a single page configuration that defines the standard variable arguments. It would also be much nicer to make a 'payment schedule' table standard for nearly all non-lump-sum contracts.