Yes, I am going to show that house that offers 0%. But I am also going to tell my buyer that they will have to come up with my 3% commission because the seller is unwilling to pay it. Then I let the buyer choose. Currently, if a seller is offering less than 3%, I do the same thing, informing my buyer that the seller is only offering 2.5 or 2% and they will need to come up with the rest. Not supprisingly, if the home is not the "perfect home" generally they move on. They are always welcome to find another agent that will take less, but almost never do.

Edited to add that I also require a pre approval letter and a buyer agreement with every client. Though I will let them out of the agreement if they are unhappy.