Wells Fargo most likely would only make money on the origination and other fees associated with the refi. The vast majority of mortgages are sold to the Fannie/freddies and Wells Fargo doesn't make a dime off the interest. So it would definitely benefit them to do the refi.
Does Mir's existence have anything to do with Wayland's slow development? I read (source unavailable, sorry) that Canonical grew frustrated with Wayland's crawl and decided to make their own.
When Mir was initiated, Wayland's future was not as clear and little was working at all. Instead of talking, Canonical went and just did what they thought is the right way to do it.
You can consider this good (more doing, less talking) or bad (not invented here syndrom).
Actually GNOME shell has a Wayland compositor for around as much time as when Mir was initiated (not when it was announced). The future was also clear. Whatever reason Canonical had to start Mir, it is not related to Wayland.
Wayland developers had to fix all kinds of things elsewere. The development is not slow. One of the Mir developers attributed the quicker speed of Mir to the work that the Wayland developers did. Further, a lot of stuff in Mir is copied/taken from Wayland. E.g. XWayland -> XMir. They did hire the XWayland developer AFAIC. Wayland developers want to release a good version, apparently for XWayland to work well they need some kernel changes or something. XMir is reported to have issues (check e.g. comments on LWN.net, two mouse pointers, etc)
I'll probably end up waiting until some consumer reviews are out, but I can't see why this isn't a perfect albeit perhaps niche device for me.
I don't want a contract phone, I could care less about LTE and pure Android seems like a solid OS. I'll probably give this guy a go on either Straight Talk or Solavei. Worst case scenario is that I end up not liking it and using an upgrade on an iPhone.