MSE Question

So that'll be a "yes". If it wasn't voluntary, who forced them to use Market Rate?

Are you suggesting that somebody sat down at his desk, near to Kev's, and decided to deliberately manipulate MR down to a figure lower than you'd like it to be? Don't be so melodramatic. MR is automated, and falls when there's more money being offered than being borrowed. It rises when the reverse is true. If you don't like that, or wish it had some stops, don't use it. That simple.