Prop 206: Reduce collateral factor for RWA from 99% -> 90%

The NOTE mechanism maintains it's price peg only through the timely liquidation of collateral. As the NOTE price falls, rates rise, and liquidators must buy NOTE to liquidate positions that become undercollateralized at the new higher rates.

Because of the RWA holder whitelist this process of liquidation is extremely slow, given the small number of people able to do so. The current collateral factor for RWA 99% leaves only a very short window where liquidations are viable before the market is saddled with bad debt.

This proposal is not meant to be the final word on RWA collateral rates, there is a strong argument for reducing these rates to zero over time and then removing the current whitelisted RWA collateral tokens from the lending market. Tokens that are difficult to liquidate are fundamentally unsafe when combined with the NOTE mechanism that absolutely requires liquidations to function.