I think the shame of it is that 95% of most TOS's are as you said, essentially harmless or nearly harmless boilerplate. My concern is more about privacy policie

I think the shame of it is that 95% of most TOS's are as you said, essentially harmless or nearly harmless boilerplate. My concern is more about privacy policies which could in many cases be very short if user privacy is being respected. In either case, if I'm presented with pages upon pages of small font #888888 text, I defensively assume these is something nefarious hidden there (e.g. "we don't share any of your data with anyone except our 3rd party affiliates, marketing partners, your nosy relatives, people who claim to be law enforcement, anyone who wants to connect to our open s3 buckets, etc.") I would hope there could at least be standardized agreements developed so that I could decide which I'm okay with or not and have enough companies using them to make it worth the effort to read once. I'm thinking of various flavors of FOSS or CC licenses as an idea template.