PSA: You can opt-out of arbitration clauses
You can not be forced to give up legal rights in a contract in the USA, and anytime an arbitration agreement in the US is pushed out onto the public like a big ol’ turd by the @55holes 5h!tting on us from up high, we have the legal tight to opt-out. This usually only lasts for a limited amount of time, typically 30 days after “agreeing” to the new TOS, and the process has to be done manually, like with an email or actual letter. Yes it’s a pain, they design it that way so less users will do it. But it can be done.
Disclaimer: I’m not a lawyer, just someone who knows his rights in this particular case in my particular locality.
Some companies will “require” that condition to have an account, but legally you have to be given the chance to opt-out and not be retaliated against for that choice. I haven’t had a single company refuse me an account or access for excluding myself from their arbitration clause, yet. However, I suppose it is a possibility, although I believe a very small one. Since it’s a legally protected right. However a business can refuse service, so it’s up to the individual to determine how they want to safeguard their rights or surrender them for services, based on their needs.