A two-bit FP consists of lots of little items, but none of them will make you any money.

I first ran into this in the UK. Orgs would buy a whole bunch of 25 bob purchases and the FP would add up to 25,000 pounds.

You can put together a whole slew of two-bit purchases and they add up to thousands of dollars without making any beans.

FP is not “how do we get some money from the finance authorities?” FP is “how do we stay solvent?”