People can either take a fixed rate or flexible rate. FRR historically has spiked due to manipulation and wiped out a lot of positions, hence the setting to allow traders to either consider FRR and take the risk of a spike or not.
FRR has spiked? lol. It went from 0.02 to 0.1
I said historically, I use Bitfinex probably a lot longer than you do.
On one hand people complain about FRR and then again you complain now that FRR is not forced onto people (it is a VERY risky thing to hold FRR loans!) or that some traders rather prefer a fixed rate loan...
By the way (as someone who has already lent out money at Bitfinex at rates far beyond 1%/day historically): Even if you manage to get a 0.6%/day 30d loan out there, don't expect it to last any substantial amount of time.