But the question would be - if I power up with say $20 - does that really help? I'm in a situation where current money is a need.

I can see taking 80% and powering up with 20% each time I make a withdrawal. Over the long haul that may make a difference, but probably not too much now.

I'm in SE Asia where I spend about $15 a week for food, so what is small to others is big to me.