I myself never do.
You get this all the time. Anytime you’re opening a new account, credit card, mortgage, installing a new computer program, make a major purchase, have a surgery etc. etc., you get pages and pages of disclosures. If people took the time to read them it would take hours, possibly, especially if they really intended to understand every clause in it.
My approach is to consider the source - if I trust the entity I’m dealing with and/or the person selling it to me and this is their standard form, then I assume I’m OK. It’s possible that there may be something buried in there which could come back to harm me at some point, but I figure it probably can’t be all that bad if this is the standard form for a reputable institution, and plus any other entity would probably be just as bad. And ISTM that the expectation is that you not read it, in that in instances where there are people helping you with the process (e.g. mortgages or surgeries and the like) they don’t anticipate the process taking as much time as it would if you read it all.
But it kind defeats the purpose of having all that text to begin with.
So I’m wondering: does anyone read them?