This is more of a consumer protection piece more so than contracts per se. But cell phones, insurance, and mortgages have some very tricky fine print. There is an economist saying, 'there's no free lunch.' This is so true. When Verizon and AT&T offer a free phone with the 2 year contract, we may think we are getting a deal but when you think that you are paying $90 a month (or more) for 24 months, which equals nearly $2200, while getting a $400 phone, you have to wonder just whom is getting the deal. And the credit card companies and phone companies are just praying that you will have overages or late fees where they can gouge you to death. And if you try to fight it or complain you get no where but to a contractual arbitration clause and then you have to assess the worthiness of fighting a claim in attorney fees and missed work time. It's often easier to just pay the $60 (or whatever) to just be done with it and chalk it up to lessons learned the hard way.

Do you feel that these contracts are unconscionable and one-sided? Do they make you feel duped?