Well.. my main objection would be that it seems impossible to detect such manipulation, and therefore these ToS are toothless. As to your complaint: I don't se

Well.. my main objection would be that it seems impossible to detect such manipulation, and therefore these ToS are toothless. As to your complaint: I don't see a problem? Assuming for a second that such a scheme would work, it allows transactions to happen and devices to be sold that otherwise would not or could not. That's the basic mechanism of how contract law and court system help a society: a bank wouldn't have the capability to build its own mercenary force to collect debt (or, at least, it would be expensive and a nightmare for civil liberties). So, counterintuitively, by allowing you to bind yourself to an agreement to pay back a loan, your range of options is only expanded.