The issue with option one is that scammers get old (or not technical) people to do stuff when they don’t know what they’re doing and click the box not knowing what they just did. So yes very frequently they need to protect people from themselves because they’re dumb, but I still expect banks to do business with those dumb people, sooo… Option 2 it is.
The number of times I move code around and can just press a hotkey to fix indentation though. Not possible with Python.