wrong....
so lets say you agree to a bank Terms and conditions , one condition being they arent responsible for losing your money in case of a hacking....basically will be like "thats it Folks! better luck with the next bank bye moneeeey"...you lose it because you agreed to that...
and before you say aaanything like those two are different scenarios , remember..you're paying for a service , KEYWORD : PAYING ,meaning you're exchanging money for services and/or utilities.
swear people like you is why companies and corps think and believe they can do w/e they want with customers....