I believe you are underestimating how much you'd lose. Because you'd be unable to keep the cashback so high when you only receive 3.5%, it would mean there was less incentive to use your application and you'd also lose costumers, not just the fee.

This proposition hurts (or even outright kills) small markets while also hurting everyone that sells cards by 1% which IMO seems uncalled for. 1% for the DAO would already achieve a similar result without hurting every single user that sells for no reason. We can't just keep making the process of selling cards more expensive/annoying all the time just to reach PEG. If there aren't enough means to burn DEC it should be considered a product issue/priority, not something the users/third parties pay for.

The same way the proposition states that it is not fair for the third party markets to pay the whole fee, I also don't feel it's fair for the users to donate an extra 1%? To be honest that whole answer is not satisfying enough for me since the end result is mainly "we want 2% for the DAO, not 1%" and the markets were thrown in the answer just as dust to not seem as bad. They are still losing the same amount, what matters in the end is how much they get from the fee, I don't feel like they care that much to "share the pain" with the users and both give 1% each to the DAO since their end result is still only getting 3.5% anyway, independently on the users paying an extra 1% or not.

Just to not sound as bad, I believe this proposal comes with a good intention, I'm just someone that uses the market a lot and I don't see any reason why I should vote yes in a proposal that will make me not only lose an extra 1% on direct fees, but also a few more % in cashbacks.