The gas limit for single send transaction is about 21000 gas.

Now I am creating my own Ethereum based crypto-coin, and I want to keep its conversion rate as 1 coin = 1 US$ and about 0.02 US$ as transaction fees.

But if my traders send 1 or just half coin, then also for this transaction, if they have to pay the whole gass limit then it will be of no use as it will be more of a loss.

So, my question is, is there any other way to avoid this much fee? Or instead, can we combine multiple transactions up to a limit and then send it as a 'single transaction' to miners??

Thanks in advance.