Here's the list of things that most people in the West are more or less of impelled to have contracts for, just in order to lead a normal life. Haven't included anything that can easily be eschewed without inviting unnecessary risk, inconvenience, or hardship:
Banking
Debit/credit card
Electricity
Home contents insurance
Cell phone
Internet
I am subscribed to 9 such contractual arrangements, covering all 6 of those categories (multiple banking ones).