The human can likely also pick up the phone and talk to another human if the system is spitting back something obviously stupid. You don't need the human for the typical case; you need the human for the atypical case.

They also usually have a monetary incentive to make the deal work, which you cant get from a app.

okay, sure and probably half a dozen other systems you don't have access to. this is wholesale debt brokering, it's not available on a public website that you found on google with creative out-of-the-box keywords like "best mortgage rate <zipcode>"

the first step to not being a mark is understanding what you don't know, and working with people who do. you may still get marked to a certain degree, but at least you'll end up with a 2.x% interest rate like i did and no messages from the computer saying "you're too poor to buy this product, so run along now little man" when it clearly isn't true.