Who is responsible for the misreading of the terms? What role did Elena play? Is Trust Bank to blame—at all?

When she received her new Trust Bank Credit Card, Elena reviewed the Terms and Conditions, written in 8-point type. She read the disclosures on page 1 carefully, which covered the interest rate and various fees. On page 2 she read about overdraft protection and payment calculation. By the end of page 2, she skipped notices to Ohio and Wisconsin residents—since she lived in Michigan. Elena was tired of reading but did see the bold-faced warning—that terms could be changed at any time by the credit card company.
Page 4 had some good news: If her phone was stolen or damaged, her new credit card company would pay for a new one.