They could easily avoid this ever being an issue, e.g. simply by having either:
- a straightforward opt-in/out, equivalent to the de-facto situation in C and Y markets (offer at 0.1% or don't). There'd almost certainly always be some lenders who'd rather have their money earning SOME interest than sitting around unlent in the lending queues, even if this is at a slightly lower overall average rate than current loans.
- anticipated levels of sales by RR automatically included in the "basket" of loans that ALL lenders pick up (and thus the published blended rates)