The refinance function inside Lender.sol does never check if there is an active auction running or the auction even ended already, and the user can be liquidated anytime. But the function resets the auctionStartTimestamp and therefore can be called to avoid being liquidated.
If a borrower does not want to pay back their debt and also keep their collateral, they can as long as there are any offers, call the refinance function every time a lender puts their loan inside an auction, or right before being liquidated.
The borrower is able to avoid being liquidated.
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Revert inside the refinance function if auctionStartTimestamp is unequal the default value.
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