Color me naive, but in the case of voluntary payments such as charitable contributions, wouldn't full and fair disclosure demand that you be advised that you're entering into an irrevocable, by you, anyhow, agreement before you click "OK"?
This can be insidious, rather than merely a "dirty trick" of the type the article is really concerned with.
The new Great Equalizer is the SEND button.
In Memory of Harv: Those who can make you believe absurdities can make you commit atrocities. ~Voltaire
