In IRL when I bought my house I factored in 3% to the buyer’s agent. I had offers from normal agents who get 3%, all manner of “kickback” agents who collect 3% and give some back to the buyer, and one agent less buyer that included an explicit 3% calculation in their offer.

While, sure, I would love to get more and pay less commission, I don’t care how that 3% is distributed. It’s fixed part of the transaction and is in the MLS listing because I was afraid of missing some buyers.

When I bought a house, my contract with my buying agent said that 50% of the buying commission came back to me at closing as a prepaid closing cost.