No, but one should definitely do it for those services where one is investing their time and resources into in a significant manner such that any disruption would be painful.
These responses strike me as unserious and flippant. You’d never accept these responses if it happened to you with something you care about.
Also, comparing a TOS to a formal contract by two parties is a bit disingenuous. A classic “yes it’s technically true” situation. TOS’s are not treated the same way as a signed and dated formal contract. Not even by companies putting them up. They are lower stakes and often pages and pages of legalese that you also skip over at times.