ToS and the like are legal documents that people/customers ‘sign’ or agree to before using a service or product, usually agreed or signed AFTER a purchase has been made. Arbitration causes in these documents mean that you agree to not sue the company for any reason, like a class action lawsuit. Basically if you feel like you have been scammed or taken advantage of by that company, you cannot sue for damages. ToS are not the law though and can be superceded by legal means, like a lawsuit ironically. Correct me if I’m not 100% correct, as I’m not a lawyer and this is just my understanding of this.
There are very few of us, and it’s probably a DNA/brain wiring thing. Kinda like me looking at republican as if they are aliens because they can watch trump and think what he’s saying is good, and totally not like a dictator such as hitler.