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Actually, I don't use one either. There are times when I don't want people to be able to get a hold of me. I have a tablet for mobile computing and email on the go. You are paranoid if you think you're going to end up paying Facebook's legal fees for something you had nothing do with, and you're also delusional if you think your CC company won't be reporting you to a credit agency if you default on your card just because you crossed out some of their service terms and sent it back to them.  If you're taking a moral stance, that's one thing, and I wish you the best of luck. Personally, I couldn't care less, I've signed plenty of TOS agreements in my lifetime on everything from websites to online games and I've never gotten burned for something I didn't do and I highly doubt I ever will.


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