Renters are one (large) category. No wasn't referring to mortgaged houses, iiuc those belong to the owner, the lender merely maintains certain rights to reposses in the case of a default.

I was more referring to the average US resident or American who agrees to broad terms and conditions with, their ISP, Microsoft 1 drive, Roomba of the year, microphoned smart TV, email provider, cell service provider, etc. Many of which are essential for navigating modern society.