I don’t remember reading anywhere in the Constitution that you have a right to go to Starbucks or out to eat. I remember times when going out was out of reach after buying groceries, rent, and gas. Problem is that most think it is a right and that you deserve to go out whether you pay for it or not. These same people have iPhones, cable, and internet.
You want the easy way to refinance your house? Just go delinquent for a couple of months, and ask for a HAMP modification. The servicer will be more than happy to drop your rate to 2%, and they'll make more money off your mortgage in mod fees than they would for just servicing the loan.