Agreement vs Contract

Agreement: a meeting of the minds of two or more (wo)men.

Contract: a negotiable instrument that may or may not involve a man.

In Common Law, contracts must be entered into (1) knowingly, (2) voluntarily and (3) intentionally. 

Under the UCC this is not the case as agreements can be binding if you only exercise the benefits and it is presumed or implied that you intended to meet the obligations associated with those benefits. If you accept a benefit offered by government, then you are obligated to follow, to the letter, each and every statute involved with that benefit.  

Anything can be signed and thus agreed, but as soon as there is consideration it becomes a contract.

An agreement comprises one of these two components:

(1) Consent: conscious decision to agree - oral or written.

(2) Assent: unconscious decision to agree - through silence (implied, pressumed or concealed contracts or agreements) 

An agreement can thus be formed without you being aware of it, by your failure to express your non-consent it will be pressumed that you agreed. 

In order to express the non-consent, one needs to revoke any implied or presumed agreement or contract, which everybody has the right to do, in here and in perpetuity.