> practically no one reads these agreements, and even fewer understand them Argumentum ad populum. Not very convincing. There is a reason the finance industry

> practically no one reads these agreements, and even fewer understand them Argumentum ad populum. Not very convincing. There is a reason the finance industry is so heavily regulated, and, at least in terms of intent, it is not to allow the elites to hoard all of the capital (although that may be a side effect).