But the issue is those terms are laid out in the agreement, and you willingly agreed to those terms, so what are arguing for is to welch on the deal you accepted?

In terms in consumer protection, at least in UK and Europe (not saying not elsewhere, just don't know much), there is an amount of regulation that tries to help consumers not get screwed in the legalese of these agreements, and some basic protections that can't override.

Organize a class action then if you believe so. Fraud is illegal