Congress passed a law to limit consumer liability should a card be lost or stolen. As a result of these protection, consumers are comfortable using credit cards Adequate consumer protections results in consumer acceptance and confidence. It confounds consumer expectations for full disclosure of key information before sale, upsets the balance of power between seller and purchaser, and is too convoluted to understand. Only then can consumer click on a window to review contract provisions that the court will enforce. That's like saying that General Motors can have a contract clause that prevents Consumer Reports from testing and reporting on the car.
Consumers know how to buy goods and services.
We are clueless on the ramifications of purchasing a license to use computer information. If not, then there will need to be a lengthy set of further amendments to correct the more egregious defects of the model act.