8bitguy

Unless you enjoy inviting the chaos.

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The Mortgage Insurance Premium (FHA) and Annual Guarantee Fee (USDA) make either costly in the long run. You get to skip the down payment, but the added cost of mortgage insurance (irrespective of how it’s labeled) hurts lower income borrowers. Both are costly, and neither are necessary. The property is the collateral. The lender loses future revenue and is inconvenienced if the borrower defaults, but they obviously do well enough overall to shoulder that burden.

Email is commonly compromised. It’s an easy target for bad actors executing a takeover.

As someone who has had to walk the “I don’t do computers” public through basic things over the phone, I can confirm that yes, a lot of people are way too lazy to learn anything new. They will instead call the support folks and blast some poor person just trying to deal with their day. Call center volume goes up anytime any barrier is added. Agreed though, SMS OTP is constantly becoming less effective. Email OTP is somewhat pointless.

Coldfusion (Adobe) comes to mind. There is an open source CFML clone or two, but the real deal is a bit pricey. It’s mostly used by government, higher ed., and healthcare. It’s not terrible, but it was cooler when it was younger IMO.