A meeting of the minds is no longer really a requirement in American contract law. You do not have to understand what you're being legally bound to. You don't even have to understand if your human rights are being signed away either.
The idea is that you have a meeting of the minds that the document you are signing contains the terms. If you could later argue that you didn't understand it and therefore shouldn't be bound, it would make contracts impossible to uphold.
Though I do think there should be some sort of loosening of the requirements for a contract to be found unconscionable or deceptive.
