Lowering the rate to .37 cents as you suggest would sure be a boon to bulk mailers.
Raising the BBM rate to $.37 would eliminate USPS handling that portion of the mailstream.
You'd still get it delivered to your home, but the delevery would be by a private carrier.
The first classs postage rate would have to be raised enough to
cover it's entire cost, since it would no longer be supported by the bulk mail revenue.
60% of postal revenue is now generated by bulk business mail.
You can stop all bulk business mail from coming to your house.
Just take down your mailbox.
You can stop paying the higher postage rates by simply not mailing anything.
Pay your bills on line, or though auto deduction.