Overall good analysis but this one quote is kinda crazy if you think about it
"I put a little effort into avoiding grey areas (not filing chargebacks to Google, not taking pictures of my kids in the bath) but otherwise don't worry about this."
Downright dystopian world we've created for ourselves. Don't anger your corporate overlords, and don't do anything that could even remotely be conceived as not Thinking Of The Children. Or, how to pave the path to hell.
Right!? Not being allowed to take pictures of your own kids as you might anger your land lord as they'll evict you without warning and burn all your stuff.
"I put a little effort into avoiding grey areas (not filing chargebacks to Google, not taking pictures of my kids in the bath) but otherwise don't worry about this."