"The opt-out contract is the contract the big institutions try to get you the sign if you don't want to sign their contracts.

"So when you refuse to allow the pirate to rob you, the pirate hands you an opt-out contract where you agree to pay him for not robbing you. It's pretty ludicrous. Your refusal is the opt-out.

"Opt-out contracts do nothing for you. They transfer all the power and advantage to the other party. Opt out contracts are pure poison. Never sign one for any reason.

"Always remember that you have Right of Contract. That is the legal term used to describe the fact that on any contract or agreement your signature must be fully voluntary and not coerced in any way. If you're pressured into signing or agreeing, your signature and agreement technically have no authority or effect. And legally, there is no contract or agreement if you can show there was coercion or pressure causing you to sign that contract.