[bitcoin] Merged PR from glozow: policy: lower the default blockmintxfee, incrementalrelayfee, minrelaytxfee https://github.com/bitcoin/bitcoin/pull/33106

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while imo this change is warranted, but the reasoning that we measure bandwidth rate in USD to arrive at the minrelayfee seems wrong. Is there a better/formal metric we could come up with? Anybody have counter arguments?

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