Sure there are usually a few lines that are pretty much just common sense for people with normal moral values.
But then there are also parts that cover financial agreements, how your money is handled, what your financial obligations are + legal issues.
I would say around 70% of the terms focus on things that aren’t just that obvious.
By reading and understanding terms before agreeing to them you are not only respecting the time of all parties involved, you are also protecting yourself.
Personally i often run in to terms that i can not agree too.