fine print legality?

You mean if they actually refuse to let you read what you’re signing? In that case, you might have an argument. But generally a court is going to say that if you signed it, you will be held to it.

A physician cannot get away with handing forms to a pt who dutifully signs the papers presented to her.

The pt. must have the papers explained to himr SO THAT HE UNDERSTANDS the material. Then the pt. generally signs a paper that states he has had the material explained to him and understands what he is signing…This in particular applies to consents for surgery, risks and complication that may occur.

Certainly there are non-medical papers of extreme importance where the above rule should apply…insurance…wills…obligations and other matters as well.

There are certain consumer protection laws, usually in state statutes, that require that notice be given in a particular way for certain things, such as telephone service. By and large, though, these are exceptions (and they are too numerous and specific for me to know). But by and large, when you enter into a service agreement, so long as there isn’t an aspect of fraud, you will be held responsible for reading what you’ve signed. Insurance is one of those areas in which courts routinely uphold the letter the small print.