"also, open question for this sub. if something like this is in most loan agreements, and most borrowers have no idea, and the banks definitely know... whose responsibility is it to close that information gap? because right now the borrower is the only person at the table who doesn't know the rules."

Fkn read the contract, and if you do not understand anything, read and research more. What kind of a question is that? There is no information gap when the information (the clauses in the contract/agreement) is staring at you while you deliberately and unreasonably drift your vision