many people have trouble completing the payment using the website and a mobile phone. It is/was a browser problem that could be avoided by completing the application on a pc instead of a phone.
I saw a lot of people slowing down the lines trying to pull stuff up on their phone. The staff looked frustrated waiting. Easier for everyone if you print out and just have a copy on your phone for backup.
Many people who trusted 100% are now divorced. Many of them were also divorced of their assets. Marriage will ALWAYS be a roll of the dice. Protecting yourself from possible huge financial loss may be a good idea.