I've the same and similar points for years.  I believe that consumers need to do two things very consistently:  RTFD and use Common Sense.

The first stands for "Read the Frackin' Document".  Using the superpower of reading the American English language and referring to a dictionary when they come across unknown terms, We the People would do far better as consumers who exercise our own rights, if we  bothered to understand what we were signing.

Secondly, Common Sense, seems far less a concern to the Common Man today than ever before in history.  We don't encourage people to rub brain cells together with dumbed-down educational standards and an infotainment world. 

But, I'm a free market advocate, while others like the nanny state to watch out for their every boo-boo.  I say "caveat emptor"!