Kerry,
Thanks for your comments. I know everyone who read my post had a thought, but only by openly posting them are we going to make this trading idea become the best feature anyone has come up with.
It would seem that if one beginning collector could start it with 15 of his chips, no matter how small your collection is, the next traders could have ADDED a chip to help get the package up to the minimum of 20 chips.
Most advanced traders get a kick out of helping a younger trader and in some cases would take common stuff and replace it with harder items.

I think the Rule: If you already have it, you cannot take it!
would help the trades greatly!

Rule 2: If you can spare a chip, please add it.

Rule 3: Use the free Priority Mail Boxes supplied by the Post Office free and send all packages Priority mail. This is going to cost you $3.00, but the benefits are many.