@vbabka@icedquinn I used them but only on rare occasions because they are just too inconvenient.
Most wallets software is so shady, so the other option is download the whole blockchain and run a local node.
The transaction fee is customizable but you can't set it too low because it will take weeks to be put in the next block.
Exchange rates... I said about them already. Nobody really buys or sells stuff in cryptocurrency, it's usually get converted from fiat money. You can easily can lose 5% on random conversions alone.
Not to mention that despite all the freedom cryptocurrencies provide, the exchanges themselves aren't really free from laws. Search about exchanges shut down by feds or forced to ban clients, there is a lot of stories like that.
I'm not defending Visa/MasterCard here. They are the assholes here but the alternatives aren't really better.