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We consider random products of SL(2, R) matrices that depend on a parameter in a non-uniformly hyperbolic regime. We show that if the dependence on the parameter is monotone then almost surely the random product has upper (limsup) Lyapunov exponent that is equal to the value prescribed by the Furstenberg Theorem (and hence positive) for all parameters, but the lower (liminf) Lyapunov exponent is equal to zero for a dense $G_\delta$ set of parameters of zero Hausdorff dimension. As a byproduct of our methods, we provide a purely geometrical proof of Spectral Anderson Localization for discrete Schrodinger operators with random potentials (including the Anderson-Bernoulli model) on a one dimensional lattice. This is a joint project with A.Gorodetski.