Who da fuk goes, "Oh let me see...before I use this card, just because I have so much time to spare, let me first click on the three bars and see if there is anything interesting to read there...mmmm...let's scroll through the drop down menu...mmm..27 sections....which one should I open? Maybe I should I open the "help" section and peruse before making my purchase, even though I don't feel like I need any help. Just because that's what people do."Incorrect sir, unless perhaps you are in another country than the US. Their help pages are viewable without being logged into the website. And they don't have to put their terms at the bottom of every product page. Only on the help pages.
No one!