Just don't lend for long periods. Your offers will be taken anyway and you can adjust rates better. Much better than scamflash rate

Explanatory screenshots (currently lending in btc, but same situation with usd usually, personal experience):


I once again advocate for removing the flash return rate option, it is the main driver for depressed lending rate, and used for manipulation, this is not good for bitfinex itself (which I wrote about before). High lending rate both drives fees from the lending itself and trading, you can't hold a position at 100%. With lending rate below 30%, it's not enough to compensate the risk for lenders.