If someone is going to bid 0.15, I'm going to bid 0.10. I challenge anyone to go lower that I can.
Let's just cut to the chase, you bid 0.05, I say -0.5 eventually you give up and I"m at -100 BTC. So account holder you can just pay me now. :-)
You're one of my economists, right? You should be happy with what you already get.