It's called the "golden rule", they who have the gold make the rules. OK, seriously, they don't technically get to decide what makes a binding agreement, a jud

It's called the "golden rule", they who have the gold make the rules. OK, seriously, they don't technically get to decide what makes a binding agreement, a judge does that. But US law and US judges are very business-friendly. I mean there's the whole invented crime of "identity theft", whereby a bank who is defrauded by an individual gets to pass off their victimhood to a completely uninvolved third party.