[JohnFen]

> I find that most "ordinary non-lawyer" people can understand these policies if they take the time to actually read them.

I find exactly the opposite.

> They're verbose, not arcane.

They're both.

The problem is that people aren't lawyers and don't read them with a lawyer's eye. This frequently leads people to think that the terms are saying things that they aren't saying (by design). People tend to think that these policies are more favorable to the user than they actually are.