@meganL we let them. ToS are designed to protect the service provider and the service providers are the ones that set the terms we agree to. If we violate them they can terminate our service.
When a service provider makes grandiose changes to their ToS that don’t favor me, I quit or cancel their service.
You could tell your boss or loan servicer that you no longer agree to their terms but that would be risky since you need both a job and a mortgage.
It sucks 