Worked at the Consumer Financial Protection Bureau for awhile. We encountered a lot of these cases and there are a ton of dark patterns as well as just straight-up not honoring the 300 page contracts that they had written. For the most part you come to understand that people are actually trying really hard to get it right most of the time.

The lack of knowledge is quite startling (but understandable, given how complex some of these things often are and how much time it takes to figure them out that people just don't have) and the pace at which it is exploited is very disappointing but inevitable.