What Is the Benefit of Price Discrimination?

If there are two factors in the design of the product, industry and origination fees, I would imagine the lender would have sort of the same net present value computation when they design different products. And if that were true, then how does the consumer benefit from that? Yeah, so because the consumers are different. If the lender cannot price discriminate between me and you, the lender is going to charge the same interest rate to me and you. The decrease in your loan is larger than the increase in my loan. Therefore, the quantity of lending goes down. As a result, also your surplus goes down by more than my surplus goes up.