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I have as well. I won’t pretend I’m always right - I’ve thought some ideas that worked out incredibly were horrible. Also had the situation you describe happen. It’s okay when you’re working with reasonable people. Show them the slide deck, the email, the analysis, whatever… “Look you didn’t approve this”. "Here is an alternative ". That can work.
Just telling folks “I told you so” isn’t usually a great form of communication.
It’s risk mitigation for the banks. You don’t have to put 20% down, but generally you’ll have to pay an additional insurance (PMI) if you don’t.