But the lender dismissed the borrower (in the story) as "you're trying to use logic", which is at least as big a confusion (and inability reflect on the root of the disconnect).
Low rates are a function of your total risk not your perceived status as a responsible borrower.
The lender is using logic(the refi equation was almost certainly devised and reviewed by a qualified actuary)
In case it wasn't clear, the original commenter was referencing this part:
>>“I told the guy at the bank, ‘I’m trying to use logic here,’” Adler said in an interview. “And he said, ‘That’s your problem.’”