@RoyalSpyder – I don’t think there’s a clear answer, but some products seem designed to trick consumers into making a purchase without considering anything else. However, more often than not, the terms and conditions are hidden very well, and you won’t find them unless you’re really paying attention.
As an example, there was a time where I had purchased a prepaid debit card online. It wasn’t until after my purchase that I found out I’d be charged with a $10.95 monthly fee. I hadn't even take the terms and conditions into consideration. Since then, I’m much more careful with my purchases.