It's interesting. This question is related to the issue of the imbalance of power between the user and large companies in the case of how data is used. You have to sign these consents. Otherwise you can't be part of, say, Facebook.
It's similar in the way the products are defined remotely. As users, we don't have access to the details of how this is done. We may disagree on the decisions that are made, and we don't have any recourse.
You are absolutely right. The balance of power between users and companies that are delivering those products is something that maybe needs rethinking.
As long as the market does its job of providing enough competition between comparable products, then at least there is a chance for things to be okay. Unfortunately, we're moving towards a world where these markets are dominated more and more by just one or a few players, which means that users don't have a choice.
I think we have to rethink things like notions of monopolies and maybe bring them back. We need to make sure one way or another that we re-equilibrate the power differential between ordinary people and those companies that are building those products.