I should add that what I'm trying to illustrate here is that arbitration clauses are a big problem. Arbitration is a stacked deck, and consumers always lose. They lose even when they win, since you can only arbitrate your individual claim.

The clauses are very difficult to fight in court, and they deprive consumers of rights they don't even know they're giving up. Arbitration effectively allows companies to bilk consumers out of money and then make it so expensive to recover that the consumer (or her lawyer) won't bother. It's legal, and it's constitutional, but damn is it shitty.