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It's actually good advice. Only costs $80 or so and you will lower the chance of a bad situation happening to pretty much 0%.

If there's fraud there is a compensation fund for it.

That's what I said.

No it's not good (not that it's possible anyway since it requires 2 signatures....) The wife could get a mortgage for say $200k, take the money then run leaving him with the loan to pay off.

Well if it's in joint names then you can't do anything to the property (Sell, mortgage etc) without both people signing off on it. But I agree a caveat is prudent.