RIP. Recently watched Series 3 of The Twelve, and thought "No way is he in his 70s", and had just finished reading his autobiography "Did I Ever Tell You This?" - delightful read.
I found David Burns' 'The Feeling Good Handbook' an invaluable resource while coping with depression and probably the factor that helped the most. Others probably were removing stress (changed from a job which was just not working for me), getting longer sleep hours, regular exercise, getting more sunlight, 5-10 minutes meditation and reading books encouraging a positive outlook and gratitude such as 'Search Inside Yourself'.
Yes, unless the business API was duplicated as well (and as noted above, there is no indication that they were), it just points to someone being lazy in writing up auth documentation.
Duplicated parameter names would be expected in this case, and preferred actually, so that they conform to the OAuth spec :-) The descriptive text is not an exact copy as well. From what we know, the only damning bit is that parameter values were exactly the same as in smartcar's documentation, which while not condonable, is not as egregious as it would be, had Otonomo cloned the business API as well.
I am sure the benefits of savings accounts (4% p.a. return on average?) are not sufficient to foster an entire class of people living on them. Most businesses would give returns far higher than this, making the risk-free saving account not a great option.