@Debbie ****************
You got bad advice. I realize (now) the first page of what appears to be the application process asks "current location", but that isn't actually part of the visa process. In the actual visa process the two questions are worded differently, "Where are you permanent resident" and "Where is your passport from", of course they are worded differently. Regardless of where a person is actually, does not change the answer to those two questions. Hence, you don't even have to lie.. But none the less, they don't check your physical location, the look at your flights. For me it was sufficient to show a flight into Thailand, (Once I was in Mexico, Once I was in Indonesia, later this month I will be in the Philippines).
More practically, You take a risk. You take a similar risk if you apply in person with all the correct paperwork. The embassy can always deny you a visa for any reason. Your risk is $60/USD. I would encourage you to fill out the application online, answer the questions, submit the various paperwork they request, and before you make payment (the last step), at that point evaluate the risk, rewards and other options. I think you will likely find the $60 risk worth it.