Interest rates can be refi'd at a lower rate, but the amount you paid on the day you purchase it can never be bought down (there is inflation, which can reduce

Interest rates can be refi'd at a lower rate, but the amount you paid on the day you purchase it can never be bought down (there is inflation, which can reduce your debt load, but only if wages go up as well. We're seeing real estate and consumer goods increasing and most non-tech wages stagnating. Don't even get me started on the gig economy).