A concrete suggestion to solve this: Make a standard T&C that's quite tight on it's protection of the consumer, but allow (some) exceptions to be made, on the condition that the exceptions are clearly stated (and not hidden in the bulk of a long T&C) and each exception must be individually and specifically accepted on checkout.
in the UK, we have the Sale of Goods Act which will imply terms into consumer contracts, and a number of other statutory protections that apply default terms (and strike down others), e.g. UCTA (unfair contract terms act) and UTCCR (unfair terms consumer contracts regulations).
their teaching should be mandatory at school
