I don't like the fees either but I tend to leave enough fiat to cover a few months of expenses there so I don't get hit. In any case, are you able to pay for everything using crypto or is there some way for you to cash out crypto for cash when needed?
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I did the same, but the fees "ONLY" were like 140 EUR, which is over $150 per year for nothing... For me, that's unacceptable...
I have Binance and Wirex debit cards and I can pay for everything with them... Like I said in the post, the only problem is utility bills, but I will work on that too and try to find the way...
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