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No, you'd have to pay based on the settings that the users set. For example I probably wouldn't see any message for less than 5 SBD.

no kidding, i should start responding to > 1 SBD messages then ... lol

so where do we set this minimal "setting"

My comment at the start of this thread was a suggestion. It's not how it currently works.

i actually thought the memo key was somehow a way to send memo without SBD or Steem

now i'm not sure if it's that useful

It is. Sending memos in transfers is optional. You can use the memo key with email in a similar fashion to PGP.

It is.... You can use the memo key with email in a similar fashion to PGP.

can you elaborate on this? I saw a MPRPG on Steemit using the memo key to login but they did not have messaging yet