Can we have a calculation on the size that breaks even with a transfer from checking to saving and vice versa. For instance, if the average transfer is 100.000 bits, it should be charged with the same amount as starting one thread (or replying to a thread), which is 200 or 0.2% (or 100 at 0.1%). We need to see some break-even type of calculations which also show what we want the users to encourage to do: post messages, reply to messages, solve problems?
I also think some of the awards are quite high: for instance rating threads is 50 bits. Are we encouraging users to rate threads?