An unpopular opinion coming from a place of experience is hardly “unsubstantive.”

I have insight into this topic and I am completely correct. I have done nothing but lay out the reality of the situation, and did NOT engage in flame baiting.

I think you are out of line on this one. However, I will refrain from commenting on this topic in such a manner.

This may be one of those cases where it's hard to perceive how your comment came across to other people because you're presupposing all the knowledge (and good intentions) that you had in your head when you wrote it. It's natural to presuppose all that—we all do this—and then to forget that literally none of that information is available to other people. You have to include it explicitly if you want either your knowledge or your intention to come across. In fact, the comment you posted contained very little actual information and a lot of swipiness.

What was good: "These are tentative offers with multiple failure points with all sorts of conditions" is good, but not much, and it's not clear why/how that matters. If you had begun your comment with that sentence and then added more explanation, it would have been great.

What was bad:

- Leading with "Wrong" is a swipe and clearly against the site guidelines.

- "You obviously don’t work in finance or you’d know better, despite your username." is another swipe, definitely flamebait, and also clearly against the site guidelines.