It doesn't work that way. If someone steals your credit card and makes purchases, you are not responsible for repaying any of that money. It's the merchant's responsibility to verify your identification before charging your card and no credit card company is going to go after a customer for unauthorized transactions these days. To see how all these things play out in the real world, you have to look at how similar situations are handled legally. That's why lawyers constantly reference other case verdicts and similar situations to prove their client's case and win. If the acceptance of these terms and conditions were at the very least password protected, then they would be indisputable because it is the user's responsibility to secure that password. Nobody can steal it from your mind, so nobody else should know it, therefore, you must be the person that accepted the agreement. Legal loopholes are the greatest thing in the world, but you need a good lawyer before anybody is going to take your side of the case serious. Who's going to hire a good lawyer to fight a video game terms and conditions dispute? Nobody! Big developers like Activision are very aware of this and will continue to do whatever they want. Remember when investors threatened to sue EA for telling them Battlefield 4 was ready to ship in its then current state, but turned out to be very buggy. The investors didn't lose any money but were afraid of the value of their stock in EA going down because the fan base was so upset about the glitches in the release version of the game. Even big developers have to answer to somebody and if we speak out loudly enough for those people to be afraid to feel it in their pockets, then consumer positive changes will be made. Developers don't care about losing customers, but investors are in the money making game and absolutely hate taking losses no matter how small.