That's part of the issue, it's not even a penny. Maybe it could be a sliding scale, that if you wanted to send money to someone, there was a minimum that increased based on how much SP the person had. So if you wanted to send to a red fish, .001 could be the min, but if you wanted to send to a whale, 5 SBD would be the min. For someone like me, .1 SBD would be the min. :)