I went and read Untergasser's enormous Discus Health book last night - he puts fin rot down to environmental stress associated with either mineral deficiencies, or toxins - its not dissimilar to people's hair falling out when they are stressed. If you are using RO water he recommends tipping a bottle or two of natural (presumably not fizzy) mineral water in to the tank to restore trace elements. Given that you are probably not using RO water that seems unnecessary. That leaves a toxin - do you use cleaning products on or near the tank? Things like 'Spray and Wipe', flyspray, and tobacco smoke can all seriously harm fish, even in small quantities. The only other factor is stress - make sure the tank isn't in the sun (and thereby fluctuating in temperature), isn't in a high traffic area, and the tank mates are compatable. If its any consellation, it doesn't look like plague (although I've only seen pictures of it). Good luck.