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Not the OP, but yes I do, and I'd argue that is one of the parameters that most people learn about when they get a mortgage.

The trouble is, with an online service or a phone, we don't even know what the parameters are.

"EULA and T&C can change without notice to you."

This is, in a nutshell, the problem.

I told the title company handling the closing of my first home, in 1982, that I wanted a copy of every document I'd be asked to sign 3 weeks before the closing date. They told me they had no process for doing that and they would look into it. From that day forward I never went into a real estate closing without a real estate lawyer.

Yes, I have several adjustable rate loans, and they do still surprised people, they just aren't on the level of surprise of nobody even reading it because it's too long and complicated to understand