I might be wrong (obligatory I am not a lawyer), but I think the laws either make it so that they can’t be considered as an accomplice to a crime like that, or they’re a corporation, which means that fines are really the only way they can be punished.

Either way, the arbitration clause, I believe, means that you can’t take them to court like that in any situation. An out of court settlement is your only option, except in the case of a class action lawsuit, which let’s them get a bulk deal on how much they have to pay out.