We don't offer a consumer friendly service, but I can't imagine it gets smaller for consumers...
Consider this for rationale, the reason the business one is so large is because the sheer numbers of risk types and complexity of risk associated with business accounts... however if you're like most banks you have fewer business accounts to worry about so its marginally easier to cover all your bases in the agreement.
On the other hand consumers face many of the same risks, although likely with reduced complexity, but now you have MORE accounts to worry about, so building an agreement that covers all your bases to protect the bank (which based on Reg E isn't much), will bulk up the contract.
I wouldn't anticipate customers running for the hills though, I just wouldn't read it... I'd just sign it and assume it was not that much different from anything else I've ever signed without reading in my life (Credit Card Agreements for example, see also any software EULA I have ever been asked to agree to before continuing) and move on from there.
In life, there is a lot less that could get better and a lot more that could get worse.
MBA Fin/MBS HR
My views only!