You can actually sue them if they do call you after you tell them not to for $1200 per violation. Is also illegal for them to call mobile phones. This technology actually cropped up because collection agencies are getting backlash from using robo dialers. I'd argue collection agencies are much more regulated than telemarketers. Google the FDCPA law.
On the contrary, I find that people stuff too much on the model because of rails. I've found that I much prefer very simple models to describe very fine grained parts of the data and use the controller for much of the tying of things together. You kinda of treat models as 'data components' if you will, mixing and matching them where needed in the view
This may be a bit off topic but I've found sqlite to be quite a powerful csv parser. Once posted you can manipulate the data in lots of ways. When you're working with reports that need to get back into some sort of table format, it's very intuitive and easy for SQL people.
As a React user, I'd be really curious to see what these benchmarks look like when you're dealing with larger, more complex projects. I was under the impression that React scales well when dealing with lots of nested components and diffing the updates for each.
Woops! I actually meant to post super gen pass but at least the website I referenced points directly to super gen pass so it wouldn't be too hard to figure out I would hope!
Actually this doesn't fulfill your sharing passwords requirement. It's still something I recommend you check out though at the very least for your personal passwords