Why does it cost so much to re-fi a mortgage?

It’s the foundational BlackRock, I mean BlackStone, I mean** bedrock Ponzi scheme propping up American finance …? 
https://media.tenor.com/In5mibY5KMcAAAAC/the-big-short-jacked

just a @super dog | 0xecCE45A52a55A3D331c490AD7AD1A597E8e7b52e

I just checked my auto rates and that shit went up $30 for one vehicle and $20 for another since June, it's all so tiresome.

It’s how banks milk you. Banks always win when you chase rates.