It sounds like a great way to create a system that concentrates and abuses power, not unlike a "secret court". If the company claims something like "it's covere

It sounds like a great way to create a system that concentrates and abuses power, not unlike a "secret court". If the company claims something like "it's covered in the ToS/EULA" what recourse do consumers have if that statement is not exactly true? If Visa agrees with Walmart about some nebulous wording in legalese, where a judge would read it differently, how can consumers advocate for themselves? Lawsuits are an option only for those with the time and access to pursue remuneration through the legal system so that is not a serious option here.