There is kind of a flaw the house games we play we max off the buy-in at about average chip stack b/c guys who have more money could buy-in large stack and dominate (really, unfair advantage).

I mean- the restrict the original buy-in to 10 dollars, in fairness. If you can buy back big stack, then the agressive players (who either win big or lose big early) will get a large stack one way or the other- and the advantage of having one.