How can a product be listed for a price with 0% royalty added?

As I was trying to decide how to price my pickleball paddles, I did a search for pickleball paddles and selected the low to high price filter.  I was surprised to see there are many listed prices that can not include any royalty or less than 5% royalty.  How is this even possible, when as a designer we are not able to choose a royalty less than 5%.

For example:
With 0% royalty added, the cost for a pickleball paddle is 74.38 if the “remove optional cover” is checked.
With 5% royalty added, the cost is $83.13, if the “remove optional cover” is checked.
With 5% royalty added, the cost is $89.25,  if the “remove optional cover” is not checked.

Zazzle would have a base price for all items regardless of royalties. Customers are able to design their own from scratch just like we are. They would then pay off the base price.

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I thought that may be the reason. So if one of those items sells, the customer who created it from scratch will get nothing?