I don't think DID sites are unique in that their terms of service are a bit of a cop out. That's what TOSes are infamous for, across the board. They are designed to cover the *** of the site owner. As for the credit card stuff, I'm a bit confused about how these sites had your banking information if you used PayPal. The whole point of PayPal is that you can pay for things without transmitting details such as your card or account number to vendors.