I'm guilty of not reading the license information for software on occasion simply because they're so long and often very similar. If I'm not selling the software or a derivative of it and I'm using it on a single computer and I've paid the fee, then I figure that I must be using it within the scope of the license.

TOS for services, on the other hand, I read beginning to end. They're usually much shorter, more to the point and very important if you rely on the service at all.

It doesn't really surprise me that many don't read the TOS, I'm sure many look at a TOS for services the way that I do some of the software licenses. Basically you've paid for it so you should be able to use it!

Realistically, it's impossible to list every Apache mod, all the PHP functions available to the user, those not available to the user and so on. If we did the TOS would be too long and even fewer people would read them.

That's really the biggest reason to have a 30 day money back guarantee in my opinion.