Why have any denominations for chips then? If the total value at risk is $10-20, just play for fake points. This isn’t remotely significant money for anyone.

I play with low stakes amateurs all of the time, as often as not in home games, and the smallest games people play are 1/1 or 1/2. You can’t even buy a cheeseburger in America for $1 anymore, anything less than that and you might as well not be playing for money at all; just use points and don’t worry about denominations.