You apparently are experience and well informed , most people who sign up for DNA testing do not have the breadth and depth of your knowledge, experience and apparent lack of concern and fear as to the use of their DNA.
And as you are aware, very few, if anyone, ever reads the entire user agreement, for anything, or if they did the average person, lacking legal training, doesn't or could not understand the terms and conditions.
Practically every one who uses a computer has to agree to terms and conditions before using any software. Do you read them? I don't know anyone that does. Certainly don't really understand everything I read, when I did.
People who submit to DNA testing, should be aware of what they are signing up for.
Myself, I'm not too worried, given that I have tested at 23andme and am a Project Admin at FTDNA. But people do have a right to know, and to question.
People should also be aware of GINA, the Genetic Information Non Discrimation Act,
it does not, however, preclude health insurers from underwriting the policy (Individual policies, not group), and charging premiums as appropriate.
Nor does it apply to Life Insurers, Long Term Care Insurance, Disability Insurance.
People should have all the information before they sign up for anything.