If I'm understanding the question right.
There have always been customer options for buying down the loan rate, based on circumstances. Elderly have had a chance to accumulate savings, but may be at the waning years of their work life, and would use a higher origination fee to have lower permanent payments. Younger generation does not have the additional funds to put down, but are at the low end of their earnings. They could afford the larger payments.
Most lenders have the buydown as part of the pricing sheet and MLO's usually discuss with the borrower based on the available cash they have to put down. There should be minimal issues as long as the Orig. fee and buydown rate are validated and accurate, (e.g. 1 point = 1/4% lower rate) and the option is given to all.
Integrity. With it, nothing else matters. Without it, nothing else matters.