I don't think the average user can fully understand the fine prints without reading very carefully and use a lot of time. Is there any tools available to make this process easier? This is a problem for the general public to adopt cryptocurrencies and smart contracts. Maybe there's room for "lawyers" specializing in smart contracts?
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Yes, this is a general problem.
Software is complicated. Unforeseen side effects are not uncommon, as are bugs. Even deliberately placed and hard to spot side-effects are possible.
I doubt that lawyers can be a solution here, especially in situations with no real counterparty.