Change meaning of minimum reserve balance

[osyed]

Currently the minimum reserve balance means that an account cannot create a transaction that would result in the balance being less than the reserve requirement.

Although this is intended to prevent an attacker from creating a large number of accounts with very little amount in each, it is causing unintended problems for normal users.

I told a friend about Stellar and he created an account and got some through the giveaway. But he didn't like the username he chose and created another account and moved his STR over to the new account. But his old account is still lingering with 20 STR in it. He would like to move that over to the new account, but can't with the current system.

There are currently about 1 million accounts with 20 STR in them that are bloating the ledger. Most all of those accounts would bring the balance to zero if they could. The current reserve requirement will case the ledger to grow unnecessarily large with normal usage.

There should a daily account maintenance fee of 1% of the the minimum reserve requirement if the account balance goes below the reserve. This will prevent attackers from creating many accounts with a small balance while also allowing normal users to go below the reserve if needed. It should help reduce the number of lingering accounts with 20 STR currently in the system. It will also encourage users to consolidate their accounts.

See: https://stellartalk.org/topic/5466-why-is-there-a-minimum-balance-of-20-str/

[jedmccaleb]

We are solving this issue with this: #3

[osyed]

Great. That should do it.