The Second Life Terms of Service (ToS) comprise over 45,000 words, spread across roughly 20 documents (including Wiki pages), all of which you must warrant that you’ve read and understood and agreed to before you can access Second Life or its forums.
I read the whole thing. Every time. It takes quite a while to go through it all, especially because it is written in The Black Speech of Lawyers. You probably don’t read it. Probably hardly anyone does.
And that, actually, is a major user-retention issue.