A MILLION times this. Match the stack or even match half the stack is the fastest way to kill a friendly home game - meaning an un-raked home game filled with friends who play for fun and each other's company. Rakrul says it PERFECTLY.Match the stack is the killer of fish. The deeper the stacks, the more skilled player has an advantage and the faster the fish will lose its bankroll. There's a reason why online casinos cap at 100bb, it's to not allow the grinders to kill off fish faster than they're coming in.
Cap the buy-in, players can top off any time. If they are felted, allow a double buy-in, but that's the MAX at any time to top off to or reload going forward. Yeah it sucks to be in the hole and unable to get it all back in one hand, but I've seen "small stakes" games get too big too fast and those games don't exist any more.