Cancellation Fee for Creative Cloud

There are quite a lot of things wrong with that comparison.

1st. I don't use phone contracts for this reason.

2nd. Phone contracts are often tied to a contract phone. Monthly payments are made to pay off this phone. Underneath the contract there is effectively a loan with an interest rate. Once the initial term is over, the agreement turns into a 30-day rolling contract.

3rd. Credit checks are done when you sign up to a phone contract for obvious reasons.

In comparison to Adobe, the entire reason they use such draconian legalese is to scare people like you from cancelling the subscription. And to be fair to them, I think it's working. Just because a big bad wolf of a company says something is legal does not necessarily mean it is. Good example: "warranty void" stickers are not legally binding where I live.