It's astounding that Microsoft is actually willing to have their customers equate them on the same level as a payday loan outfit. One slimy tactic after another.
I'm afraid you still don't get it. As far as I can tell, Microsoft will do ANYTHING it can get away with to make money (even more so now desperation is starting to set in). I cares nothing about your rights or about any annoying laws that may appear to be in the way - following the law is for amateurs. I reckon the latter is because it has never been involved in a court case that resulted in a fine large enough to annul the profits it made over the time it managed to drag it out.
This is why I worry about Google, because they show signs of copying that exact playbook. These are NOT benign companies.