mystery of who cuts?

I never fail to be amazed when a borrower is short of money or the bank has conditions that limit amount that a borrower can bring to complete their closing,
The lenders look to the title company to "cut" fees.
Amazing because the "fees" that we charge are the least of all the costs involved in getting a mortgage. Title insurance premiums are filed rates that can not be altered in Ohio and the underwriter takes a % of that. The title exam is not "free" information. The fee for the search and labor is basically a wash. The settlement fee is a bargin considering the time spent preparing all of the paper work.
Most everything else we collect is just that - we collect to pay others for their service such as recording fees the county charges. When a borrower needs to have fees cut, why is the title company asked to be the "cutter"?
If we don't cut- the lender won't use us again.
We're damned if we do and damed if we don't!