A mutually agreed contract where both parties have an opportunity to review the terms before agreeing is pretty much the gold standard of informed consent.

A one click eula is not a mutually agreed contract for most non lawyer use of that term.

I agree.

There is, however, a world of difference between a 1-click eula and a paid service agreement, where one has, at the minimum, voluntarily entered payment information to engage in a transaction.

Giving someone money is a far higher explicit endorsement/agreement to terms than a one-click eula.