Do underwriters get paid for doing their job? Yes.
Do lenders get paid for doing their job? Yes.
Is that a "benefit"??
You seem to have an issue with underwriters. You've posted two posts which focused on the underwriter. Are you trying to "bait' the message board to get some type of response?
Maybe you should have had an Exclusive Buyers Agent working in your best interest? Exclusive Buyers Agents DO NOT take listings and they do not work for a brokerages that takes listings. An Exclusive Buyers Agent works for a Buyers' only office, and not a Listing Brokerage. Anyone who advertises they are Exclusive Buyers Agents and works for a Listing Brokersge is lying.
Some "buyers agents" on this board, cough, cough, errr, ashes to ashes, misrepresent themselves to the general public as Exclusive Buyers Agents, when they're not. I totally understand if you're a little ticked off with this business. There's a lot of people -- agents included -- who have no clue what they're doing or talking about.