It turns out that there aren’t many people that like being corrected. I even had a person say, “You don’t see me going on your page and showing where you’re wrong.” That’s true – but you’re welcome to try to find an instance. I will at least hear you out... before demonstrating how wrong you are.
17 years ago, banks thought it would be amazing to give out mortgages where there was no prove of income. Apparently its not just fashion and communism that comes around again every twenty years.