first they need to learn that in a 1/4 basis point there are an infinite number of infinitely incremental raise... but from 0 to what ever first number there is an exponential gap, some called it the big bang (or the big bucks
).
again it just depend on the size of your balance sheet and your revenue stream... ex:
Do you prefer situation 1 or 2 ?
situation 1 : debt 10, income 100, interest raise by 10%
situation 2 : debt 10, income 0,00000001, interest raise by 0,01%
answer: depend if you are the creditor or the debtor !
p.s. I took btc values to make this post less time fragile.