Plain English: "you" or "I" in consumer contracts

I prefer to address a plain-English consumer contract to "you," and Rudolf Flesch is on my side in chapter 4 of How to Write Plain English.

But many prefer the document to speak as if the consumer is speaking or as if the consumer drafted the document:

• I agree to make 36 monthly payments . . .
• If I pay late twice in one year, you will raise my interest rate . . .

To me, this is artificial because it puts into the mouth (or mind) of the consumer language we know was prepared by the institutional party--the one that drafted the text. So this seems more real to me:

• You agree to make 36 monthly payments . . .
• If you pay late twice in one year, we will raise your intereste rate . . .

I have debated this and written about this many times, and my surveys of consumers have shown a 50-50 split.

I may now take it up again with a large client.