#2 Shock value
WWE has been fighting tooth and nail to entertain the WWE Universe ever since the global pandemic began and they have been doing a pretty good job at it. In fact, between cinematic matches like The Firefly Funhouse mathc and multiple dream matches, the company has given fans plenty of reasons to keep coming back for more.
With that being said and WWE continuing to try to push the boundaries during the empty arena era, why not have Otis cash in his Money in the bank contract and win the Universal title? If nothing else, it would be one of the most organic "oh my god" moments in a while and really help shift the landscape of WWE.
In the end, it is this kind of shock value change that WWE is in need of right now. It could also be the start of a pretty interesting title picture that keeps fans invested for a while. Whether it works long term or not remains to be seen, but it would be a very unique storyline to try right now.