I think you're making a logical jump from a user-initiated contract to a software-as-a-legal-agent-initiated contract. Is there a legal basis for this point of view? To the point of another commenter, the means to enter a contract (pen/paper, by wire, etc.) shouldn't be conflated with the legal right.
For example, IANAL but I have the understanding that the agents of a legal person (e.g., corporation) are specified in legal formation. The CEO, board-of-directors, etc. Is software formally assigned such a role to act on behalf of a legal person?