This is already done in other areas. In many places each bank offering has a single digit risk score. It’s based on your exposure and how volatile the instruments it’s investing in are. Savings account will be 1, stock market closer to 10. You’re signing really complex contract with the bank but the risk can be objectively verified. Same could be done for ToS.
Yep, I started seeing the new silly puzzle based capcha and even after solving it the page often says ‘you’ve been blocked, fuck off’.