I know this was meant to be an overarching statement and not specifically directed at anyone, but I'm definitely mortgage negotiation guy. Also your point is one of my major annoyances with friends and relatives. Not just mortgage rates but lending and fixed investment rates as well. It's crazy how much we work to make and "save" money but then once it gets to the financial institution level it's "guess that's how it is"
Working in a bank as my first job out of University was more educational and valuable than the 4 years I spent in post-secondary.
That said, yeah I'm still gonna argue labour on stuff I don't think I should pay labour lol....