"but I have yet to meet someone that has accepted 'The terms and agreements' to have actually read them. But obviously everyone on here has. "
It is always important to read any terms and conditions before you sign up for something, as these two threads demonstrate:
This lady has been charged for late payment because she didn't read them fully:
http://www.theanswerb.../Question1090145.html
but worse was this person who is getting stung every month for £79.99 for what she thought was a £2 purchase, as she didn't read teh T&Cs either. ouch!
http://www.theanswerb.../Question1081563.html
If you don't read them, you have nobody to blame but yourself and I would hope in these days of internet scams and the like, everyone would read things carefully before agreeing to something.