Archetypal TOS
If you run a bank, unless you're doing something incredibly sketchy, your TOS will very closely resemble Bank B.
If you run a social media company, unless you're doing something incredibly sketchy, your TOS will very closely resemble social media company B.
ETC
How about we all agree that the archetypal TOS for any given archetype should be readable by someone with a 9th grade education or below and if you deviate from those terms, you must clearly explain why you are so different and special.
Idk, I just think we should start coming up with more clever solutions.
This doesn't even visit the idea of completely inverting the social media / banking / blah blah whatever industry onto its head by allowing any general user complete control over data / finances, but obviously that would have huge benefits if we can tackle the usability problem for average Joe.