re: What is something normalized now that you believed was a scam when implemented?

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Honestly it doesn't matter if you read it or not. It's a take-it or leave-it scenario.

That used to be called adhesion, but we've seemingly abandoned that as a legal concept.

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Adhesion contracts are not illegal. Simply another word for boilerplate/standardized. If you want a loan/credit, you abide by what the lender/creditor wants. It saves everyone plenty of time not negotiating a bunch of terms the vast majority of borrowers have no issue with and no bargaining power to change.

No different than waivers, leases, home purchase contracts, security agreements, UCC forms, etc., that are used ubiquitously in many industries. There's no law requiring everybody to openly negotiate every contract term.