The risk displayed in the message is the real risk - this money will be really gone from your account if your trade hits the SL. If it is by factor 10 higher than you expect, you're trading ten times more risky than you intended.
What dusktrader said is correct: First you need to know what account you have. From your post, I suspect you wanted a micro lot account, but have opened a mini lot account instead. This explains the factor 10. You're also not trading 0.1 or 0.01 lot as you think, but 1 lot. 1 lot is the default and the minimum order size for your account. The 22/391 discrepancy might be some other calculation mistake, like forgetting the pip cost. You can find all formulae in the manual:
The risk of a trade - the maximum possible loss at a given Stop distance - is Lots * (Stop/PIP) * PIPCost. The number of lots equivalent to a given margin is (Margin/MarginCost).
If you do not know what account you have, you can find a short script under "Tips&Tricks" that prints the lot size of your account. Do not continue trading until you are sure that you got the right account and the displayed risk is exactly the value that you expect. You can easily test trade parameters by running a little script on a demo account that opens trades with a fixed SL and TP. You can then see how your account changes after every trade.
