It's simple logic as I see it... The Virgin One account is great for "The Bank" and not so great for "The Borrower"...on average.

Any Bank or lender trying to sell you something that they claim will save 8/10 homeowners thousands in interest costs is definitely offset by a statistical probability that the bank will definitely make many thousands more than anyone saves off of the interest from the incremental borrowings.

On average... it's better for the bank, than the people they are marketing it to. If you are financially savvy enough to manage your accounts and benefit, then you are also savvy enough to take advantage of other better alternatives, and you are not the kind of customer that Virgin One wants.