Technically that is true. People do have an inherent right to make bad decisions. That, (ironically in this example) is what freedom means.
"Agency" approaches meaninglessness when you can't understand what you're agreeing to, can't afford a lawyer to interpret it for you, and can't get access to the courts later because of an arbitration clause.
If I am kidnapped by a serial killer and given the choice between death by machete and death by pistol, it counts as freedom?