Ive got same problem. Ive got 0.0044 but can only spent 0.0022... Thats 5.5$ Fee to send 5.5$. Looks like a ripoff...
That happens when you get a lot of micro payments that in the end make the total amount 0.0044 btc. By sending a lot of micro payments to your electrum wallet or any other good desktop wallet you add more bytes to your transaction fees. Nowadays a recommended transaction fee is about 500 satoshi/byte so the more bytes you transaction has the more fee you have to pay. It is not a ripoff, Electrum is one of the best if not the best free desktop wallet.