I think this is using an overly simplistic blame/responsibility model and if we don't want to have more problems on our hands, we really need to change it.
> 99% of us were stupid enough to state that we accepted terms that we didn't even read.
Well, here's the thing, if 99% of people do something, what's going on here? That's an extremely high rate. Surely if this was a normal choice, there would be a large dissent group? 20% at least? This doesn't sound like it was a real choice.
And consider how it plays out. If choosing the right way is a highly unusual action (1%), and you make this a personal responsibility thing, for any given T&C you cannot use the program. Both because they're too long to read and because you can't agree with them. No phone, no internet, no bank accounts, no entertainment. Since choosing this way already makes you highly unusual, this all just effectively cuts you off from society.
People cannot be individually responsible for mass behaviors. It doesn't really work. Mass behaviors are managed by memetics, which is a higher level force that only specific individuals, or groups of individuals, can actually manipulate.
So I disagree with you entirely. If anyone is responsible for the 99% T&C acceptance rate, it's pretty much never going to be individuals. If we do try to select a person or a group of people, it would be people who manage media and marketing, since memetics is their job.