Having thought about this some more, I'm going to take my own advice and remove the default minimum rate from my bot, and require users to set it themselves. HowardF, you may want to consider doing the same with yours.
Taking out a default isn't really practical for my app, and I don't think it will have a big effect anyways, since it's always going to end up lending just a few points below FRR, but I will change it to the minimum I use on the next update .065%. People using bots are not likely to ever get the volume necessary to really create significant competition below the FRR. I'm also going to put some better notifications in to warn users when the FRR is getting so low that theis minimums won't get hit, so people can move their money to higher return investments as needed.