The thing about online service agreements is they have pretty much zero leverage against you. So what if you violate their little terms of service? Worst they can do is ban your account. Their "take it or leave it" bullshit holds no water.
This depends on the nature of the transactions you're performing.
For example, play that game with Paypal.... whoopsie, they're holding a quarter million of your cash and aren't going to let it go for six months. Of course where this much is at stake reading those agreements is very important.
But take a middle ground. You join a forum and make a side business where you're selling some kind of product to their members. This gets more problematic very fast. It can be nearly impossible to pull your business out of the forum it's embedded in. And this is the exact kind of behaviors we've seen out of large companies like Facebook. They can choose how they please to access 'their' users.
Of course. If you have hundreds of thousands of dollars in a PayPal account, they have the highest possible leverage over you: they are literally holding your money. If you have a Steam account with hundreds of video games on it and an estimated value of tens of thousands of dollars, you're obviously not going to screw around and risk getting banned. Once money has exchanged hands, it becomes serious business.
There's no reason to care about some random blog or forum's terms of service though. Block their ads and surveillance capitalism all you want, they can do nothing.
