With the crazy lawsuits and lawyers running rampant in the world today, I can't say I blame them. Steemit has been set up to help people all around the world with a great income opportunity. They've been doing a pretty good job of it so far. Of course there will be people that complain and sue if they can rather than make suggestions and try to persuade people to implement the suggestions.
Steemit doesn't want to spend time and money arguing with word splitting lawyers for silly things. I'm glad they had the foresight to include protection like that.
Steemit's not perfect, nothing man made is. But steemit seem to be the best of what's out there and filling an important niche.
RE: Reading the TOS is like magic to your steemit experience.