No sub without a death wish should ever agree to "no terms at all." No terms quite literally means that your right to -live- is in the hands of someone else. Does that have a certain fantasy appeal? Sure, but so do a lot of the NC/Reluctant/Blackmail stories on the site, but most of us would (I hope) consider those things anathema RL.

Although generalizations usually aren't worth the disk drive space it takes to store them, I'm going to go ahead an risk putting my foot in my mouth by saying anyone who demands (seriously, not in cases like this perhaps where it was to teach a lesson) "no terms" is either an HNG who is living out a fantasy in their head rather than thinking things through, or is a predator of some kind. It's bad news.