All caps is harder for people to read. Unnecessary legal jargon makes it harder to understand. I would assume that this is a defensive measure to ensure that the person signing the document doesn't have an chance to completely read and comprehend the document, as their mind goes into a sort of 'flight or fight' response, whereby, they either give up, and sign the document, or refuse to sign what they don't agree with.

As many people aren't willing to admit that they don't understand something, they just go ahead and sign away their rights.

I've recently discovered, that when I bought my house, and went through the many, many pages of forms (I think it took me over 2 hrs), I missed one number, which wouldn't seem to significant (the appraised value of the house), but because they got the number wrong, I've been paying PMI for the last 5 years. To this day, I have no idea if that was intentionally done, as they tried to sneak something past me, and run up the profit made on the loan, or if it was a simple mistake. But well, I signed it, so I had to pay it.

ps -- I've only ever had one class on contracts, about 10 years ago. I'm not a lawyer, but I was raised by one, so I've learned the art of convenient rationalization.