Disclaimer: I’m not a lawyer, just someone who knows his rights in this particular case in my particular locality.

Some companies will “require” that condition to have an account, but legally you have to be given the chance to opt-out and not be retaliated against for that choice. I haven’t had a single company refuse me an account or access for excluding myself from their arbitration clause, yet. However, I suppose it is a possibility, although I believe a very small one. Since it’s a legally protected right. However a business can refuse service, so it’s up to the individual to determine how they want to safeguard their rights or surrender them for services, based on their needs.