Do all such a problem?
I'm also looking for a normal version, while the coins are on the stock exchange.
And if this is really so difficult, maybe there is no point in this?
I know that there is an easy purse for the Verge coin, but there you pay a commission for withdrawal.
But absolutely all wallets accept deposits with zero balance ... very strange.
Yes, all personal wallet of stellar should any balance between 1 to 5 XLM to exist stellar wallet in the network, even decentralized exchange of Stellar. In my opinion this is barriers to adoption this coin because will be hard for newcomer to get first XLM coin because this coin only possible to send from between personal wallet. And not possible from centralized exchange.