The math can be spun on stacking pretty easily against doing a refi.

10k balance and need 10k

Refi: 20k 8 month deal @ 1.35 = $27,000 repay or $7k cost for $10k.

Stack: $10k @ 1.42 = $4,200 in cost for $10k.

Yea, time vs money is out of whack but still, it's not hard to spin to make a sale. Why the iso wanted to push the stack is hard to say. If he didn't own the first position then it's obvious. Retention could have cut him out. If he did own the first position then it was kinda dumb. Especially because stacks can screw up the clients ability to refi the first position deal leaving them worse off in the long run.