I don't think thats the point. Its all about taking responsibility for your actions. There are far too many who knowingly sign up for services without reading the fine print and then try to guilt the people who supplied them with a service into refunding them when they get screwed over.You obviously know it all. Have never made a booboo.
If you want an education go to school - its not the companies responsibility to teach you everything.
Ever heard of learning from your mistakes? If you take all the liability out of the situation then the person will never learn.