The terms we of bank accounts are not merely the generous offerings of the banks, but the result of a long process of interplay between consumers, banks, and re

The terms we of bank accounts are not merely the generous offerings of the banks, but the result of a long process of interplay between consumers, banks, and regulators. The ToS we have for online service providers doesn't recognize enough of the users' interests to counterbalance the power and interests of the major platforms.