[AppyPappy]

It says you can borrow because under the terms of the agreement you can afford it, the company can unilaterally for no reason change the agreement and your original decision would have no meaning under the new terms and you still owe the money.

Exactly. And people sign that agreement hoping the day of reckoning never comes. That's the problem with being in debt to someone. The lender controls the payment of the debt, not the borrower.

[longtermmemmory]

actually the law provides for adhesion contracts, the law also provides for prohibitions against blue lining (unilateral changes)

I think it is only a matter of time before this unilateral change dies either by law or court.