That's true, they aren't prohibiting anybody who has no commercial interaction with them. But in many legal systems, commercial interactions are held to always, and irrevocably, operate within the background legal framework. So you can agree on a contract, but you can't agree, in the contract, that the law of contracts doesn't apply to the contract, because the law of contracts always applies to contracts. Which then includes all the usual legal rights, such as the right to sue for breach of contract, to bring a class-action suit, etc.
