I’m not sure i can be that cynical, but you’re right that lenders prefer higher monetary velocity (in the form of transaction volume here), all other things being equal.
They don't. I don't know where your getting this idea from. The tiny origination fee that lenders charge is nothing to compared the amount of interest earned over the life of the loan. A lender would much rather have steady income over 30 years than constantly having to seek out new deals.
that’s a false dichotomy. if you love strawberries, would you sit on the one you have or go out and try to get as many as possible?
The humorous visual of someone preferring to sit down on a strawberry is the only redeeming value of that analogy.