I remember all too well those days.  In fact it's the reason I don't have good data back more than a few months, I took most of my money out of margin lending and put it towards better investments. (I also remember the glorious days back in January '14 , before the FRR wall got out of control and .8 - .9% daily returns were common....  man those were the days)  The reason for a .065% minimum default would be to encourge people to consider their options if it got that low.  I think however anyone with the knowledge and willingness to set up my bot also has the intelligence to set a minimum rate that works for them. 



I think this may actually be a bit more complicated than that.  If lots of people start using the bot,  they may well be the ones currently using FRR auto.  Moving their cash to bot managed will also reduce the size of the single point wall, and maybe make market movements a bit more natural...  then again, it may just crash the rate completely.  Could go either way, but if other world markets are any indication, natural competition markets tend to work quite well...