Hey,
As you need 20XLM on your account for it to exists, won't it act as a brake for the XLM price?
Let's suppose 1 XLM = 10$
It would mean that 20 XLM = 200$ are unusable on your account just to make your account "exists"
I hope the stellar foundation can change that minimal required amount in the future to make it scale with the XLM->USD price