To use an ecosystem analogy, once you expose your software to the world beyond your own dev environment, even internally, you'll eventually find that something colonized it - much like everything on this planet that isn't being actively and regularly scrubbed.
In my own career, I've seen cases of this. For example, once we were tweaking a little embedded database that supported a half-finished feature meant for internal use, and only then we (as in everyone in the dev team) learned that somehow, the QA & deployment support people got wind of it, and were scripting against exposed parts of that DB for a good year. And, it turns out, it wasn't the only part of the software that we thought of as incidental phenotype (or didn't think of at all), and the other team considered stable behavior.
See also the so-called Hyrum's Law: "With a sufficient number of users of an API, it does not matter what you promise in the contract: all observable behaviours of your system will be depended on by somebody."
That sounds the same, but it is not.
The first class is a set of simpler "happy paths" of intended specific behaviors.
The second class is like wargaming. A good way to do this is to replay user requests against your API and see that they return the same results release to release. You may also uncover interesting unintended behavior / conversations to have with users this way.
I didn't realize there was an actual name for this, so I'll add another for the thread that I haven't seen brought up: email is evil in operations (EIEIO, like the nursery rhyme)
I love the scream test, but the analogy you bring up actually - this seems unfair. The cost of Fedex'ing everyone is astounding (for many businesses).
But I like the concept. Definitely a sort of "shut off the server for like an hour" and then see who yells.
Phone calls for any account that still operating on the location.
100% agreed 3 emails is... hardly anything.
I expressly don't use automated payments for my mortgage and auto loan(s) as I don't want to have an account miss... I didn't know my mortgage was sold/changed a couple months ago until I went online to change. The same happened with an auto loan a few years back as well.
The final price is a combination of all costs incurred + a profit percentage imposed on the consumer.
If all customers would receive fedex mail, then the costs of this fedex would be pushed on them somehow. Probably by making them pay slightly higher interest rates or by introducing some one off handling fee.
> these [communications costs] do not pre-emptively get priced into future products by the sellers
They 100% do get priced in. Whenever you buy a product, you're paying all the costs of that product. When someone originates a mortgage, they're aware of the secondary market for mortgages. If that secondary market is eroded by a significant increase in communications costs, that reduces the willingness of a secondary buyer to bid for your book of mortgages. That erosion reduces your projected profit on originating, so you take a little longer to lower your offered rate to 5.250%, or you charge a bit higher origination fee, or whatever to ensure you maintain a viable business. So long as these fees hit the entire market, the other originators are all making the same calculations.
It seems odd that you [seem to] think that money for these costs would just result in reduced profits for the financial services companies rather than in increased borrowing costs.
I got what you and others are saying but I've been trying - and failing, apparently - to point out that the costs for a mortgage in case of a sale are born by the buyers who are not even the same kind of institutions as the parties that sell them, and so they are in no position to charge the subjects, nor are the sellers going to price the mortgages any higher in the future because the costs aren't born by them.
There is no such thing as 'projected profits' that go into this because mortgages can be sold (and are sold) more than once, the number of times is not known when they are issued first. And it is going to be only a small fraction of the audience that is going to be hard to reach for whatever reason. The presumption that there is some kind of free market mechanism that will ultimately pass those costs back to the original mortgage underwriters is not in any way evidenced by present day mortgage prices. On the sum total of mortgages out there and the - exorbitant - profits they create for the lenders we're talking about such small amounts that it will make zero difference.
A 'significant increase in communications costs' would translate into that being something that is some noticeable percentage of the total yield over the remaining time and it just simply isn't. Typical mortgage rates and amounts utterly dwarf the costs of a one time notification, especially if you don't have to notify everybody like that, and you can try cheaper channels first until you have a hit. Besides, the original mortgage 'service charge' is already a large multiple of the various costs and tends to be mostly pure profit for the initial lender.
It seems odd that you [seem to] think that mortgages are priced such that the mere cost of communications is going to show up in the prices, they are amongst the most profitable financial products.
If it made zero difference, they would Fedex the documents, but they dont.
I wouldn't be surprised if the cost difference is negligible, maybe a couple bucks per mortgage? FedEx bulk discounts can be pretty massive
I kept sending checks to the old management company for a few months before the problem was discovered. Unfortunately, someone at the old management company apparently had a bit of a gambling habit and petty-thefted that money away, and I never saw it again even though she lost in a lawsuit.
https://abc11.com/nc-hoa-foreclose-sell-house-woman-didnt-kn...
If that's the case, these companies/people have no business using cloud services. Fair enough that you might not understand the ramification, in that case you contact support. If you don't see those email... that's on you. We operate out of a number of datacenters, they all communicate via email, giving us one month to three notice regarding service windows. If we fail to plan for an outage because we didn't see an email, that's our problem. I don't know why anyone would expect more from a SaaS company.
For really large customers, I would assume that they have a customer service representative and yes that person should have called. If you're just a small customer (even if you might be big in your own mind) and just have an account that get billed to a company credit card each month, it's a little naive to think you'd get anything more than an email.
We've already seen a number SaaS company just shutting of customers for little to no reason, even AWS has done this. Running things in the cloud is a risk, and it's you job as the operations team to stay on top of things, have backup plan, because you cannot expect cloud vendors to care about some random customer who just signed up using a credit card and a nondescript email. They should, but they don't.
A good rule is: Don't expect a SaaS/cloud company to put in more effort contacting you than you did signing up.
Cloud services are responsible for this. I've signed up to many cloud services where I purposefully unchecked all the newsletter/updates/... notifications.
But I still receive notifications for stuff unrelated to what I use. These emails are full of marketing/PR jargon, where it's unclear whether I'm affected by the change or whether there is even a change!
Cloud services are lazy, don't look at their customer use, spam everybody, and blame their customers when they missed an important update due to noise-fatigue.
This is the main reason why I stopped using SaaS.
The fact is, there are many options from a cooldown, scream test, automated backup for migration/recovery... this organization did none of those things and absolutely deserves to lose massively as a result. This is a DATABASE as a Service... RETENTION should be one of the highest priorities.
For that matter, it would have been better if they auto-migrated in an OFF status, or otherwise backed up... just hitting the DELETE ALL DATA button is wrong. Several of the posters in the thread indicate they received no such emails.
Internally at my company we always do scream tests as part of our EOL process because we know we can't reach everyone, even our own employees.
https://www.microsoft.com/insidetrack/blog/microsoft-uses-a-...
Fun story: my mortgage got sold last year. Not the first time. I got emails from the old mortgage company and the new mortgage company about the sale, but I skimmed them. I got letters via USPS from the old and new mortgage companies, but I mostly ignored those because 95% of what mortgage companies send me via USPS is junk. So I missed the fact that my automatic payments didn't transfer over. The new mortgage company let me get four months in arrears before they finally FedEx'd me something overnight. That got my attention. I was like: you guys should've FedEx'd me this in the first place. For all they knew, I wasn't getting their emails or letters in the first place because nothing had been sent signature required.