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I think you two are talking past each other. No one can offer less than the initial price set by the seller, and no one can buy the card for less than that amount.
What confuses people is that potential bidders don't see the highest bid. They see the second highest, as you'll find out if you jump in at the last moment with a bid that's one more than the listed bid and receive the "someone else has bid more" message.
This auction process is designed to encourage people to push bids higher and discourage those last-second "tiny bit more" bids. The highest bid remains a mystery to everyone except the highest bidder until the auction closes.
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