On the federal level, there is no self-insurance tax. However, you do have federal income taxes, and in many states, you have a state income tax. No free ride on taxes for the notary.
They are lowering their fees to signing services. You may know them by the name "middlemen".There is nothing inherently wrong with middleman. It's just that escrow companies have made the decision that they are not worth the money that they have been paid, That does not mean that the Notary is worth less.The fee reduction is to the signing service, not the notary. I wouldn't accept a lower fee because of this reasoning.