This isn't laissez faire.
Along with useless binding arbitration they precisely lobbied for a marketplace devoid of consumer protections or redress channels.
We now live in an age of strict Non-liability.
That was the most recent time, but I've done it a couple of times. I do everything digitally, so it's always easy to prove my case.
Cell phone accounts: no regulatory oversight
This pattern of deregulated modernization isn't just a pattern. It's a scandal.