There's barely room for one bill wrapped around a tiny scrap of cotton tinder - I have to work to get it in there. I struggled with what denomination to put in there (20, 50, or 100) for the reason you mention, but bottom line - when it comes to cash, more is better, and this is for emergencies only. In most cases I can imagine I'd have my wallet with smaller bills. If this was all I had, however, and I needed money that badly it would be an emergency ideed, and change would take a backseat to necessity.