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The borrower is sort of using logic, but because of his extreme level of entitlement he fails to understand his premises are flawed.

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)

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I know, I was only objecting to his attempt to resolve the confusion by saying "you're using logic". That's not the problem, and the lender should realize it and say something more productive.

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.’”

He's not wrong. He should use actual logic rather than just trying.

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